Regardless of your business type or size, unexpected incidents can disrupt operations and put a strain on your finances. General liability insurance may help you manage these risks, so you can concentrate on growing your business instead of worrying about costly setbacks. At Gerhart, Hartman & Ritner, we work closely with Pennsylvania business owners to assess their unique risks and tailor general liability insurance solutions that fit their needs.
What Does General Liability Insurance Cover?
General liability insurance may offer financial support in response to unforeseen events caused by your business. This coverage can help with the following: 
- Bodily injury—If a customer or visitor is injured on your premises or due to your operations, your policy can help cover medical expenses and legal costs.
- Property damage—Accidents happen, and if your business activities cause damage to someone else’s property, general liability insurance can help pay for repairs or replacements.
- Personal and advertising injury—Claims of libel, slander or copyright infringement related to your advertisements or business communications may also be covered.
Who Needs This Policy?
Many types of businesses, including retail stores, restaurants, contractors, service providers and professional practices, may benefit from general liability insurance. You should especially consider having this coverage if your business:
- Has a physical location that customers, clients or vendors visit, such as a storefront, office or workshop
- Performs work or services at client sites
- Advertises, either online or through traditional media
- Handles client property or interacts with the public as part of its operations
- Operates from home but still meets clients or delivers products or services
The right amount of coverage for your business depends on several factors such as your industry, location, workforce size and overall risk exposure.
How We Can Help
Our agents at Gerhart, Hartman & Ritner are ready to answer your questions, explain your options and help you secure the right coverage for your business. Contact us today to learn more.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.