General liability insurance, often referred to as business liability insurance, is coverage that can protect you from a variety of claims, including bodily injury, personal injury property damage, and others that can arise from your business operations. It is often combined with property insurance but it’s also available as stand-alone coverage.
Why You Need Business General Liability
As a small business owner, you need some form of business liability insurance to safeguard your livelihood. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else’s property.
From someone slipping and falling in your parking lot to injuries resulting from using your product, your general liability policy covers expenses related to out-of-court settlements, litigation, and court judgments. Your policy may include protection against lawsuits relating to:
- Bodily injury
- Defense costs
- Medical payments
- Personal injury
- Property damage
Hometown Insurance Center will help you determine how much general liability insurance coverage you need. Fill out the form on this page or contact us at one of our two locations.