General liability insurance responds to third-party claims of bodily injury, property damage, and certain personal and advertising injuries. If a customer slips on your property, an employee damages a client’s belongings, or your advertising is alleged to infringe on another business’s copyright, general liability coverage can respond.
It does not cover employee injuries, professional errors or damage to your own property. Understanding what the policy does and doesn’t cover is critical when compiling an insurance portfolio tailored to your business.
Why Your Business Needs General Liability Insurance 
Common claims that general liability addresses include:
- Bodily injury to a customer or visitor on your business premises
- Accidental damage to a client’s property during a job or service call
- Personal injury claims, such as libel or slander, arising from your marketing
- Legal defense costs related to covered claims, which accumulate regardless of fault
Many contracts and commercial leases require proof of general liability coverage before work can begin or space can be occupied. Without it, a business may lose opportunities and incur uncovered losses. Premium costs vary based on industry, revenue, number of employees and claims history, so coverage should be reviewed with our team.
Get the Right Coverage for Your Business
A claim doesn’t wait until your business is ready for it. Contact Gerhart, Hartman & Ritner, Ltd. to review your exposure and put coverage in place that reflects the risks your business faces every day.