General Liability Insurance

General liability insurance can provide essential coverage for several common exposures businesses encounter, and it’s often a key component of a comprehensive insurance plan.

The knowledgeable agents at Vozza Insurance in Traverse City, Michigan, can help your company get the general liability policy that best suits its needs. Contact us today for more information.

What Is General Liability Insurance?

General liability insurance may also be called commercial general liability (CGL) insurance. It is a type of business insurance that can help cover claims of injury or property damage that third parties file against your business. CGL insurance may be available as a standalone policy, or if your company is eligible for a business owner’s policy (BOP), it can often be packaged with other commercial coverages.

What Does General Liability Insurance Cover?

Commercial general liability insurance policies typically include coverage for the following

·        Third-party bodily injury—CGL insurance may pay for medical expenses when your business is legally responsible for a third party’s bodily injury (e.g., the injury occurs on your business’s property).

·        Third-party property damage—If your business is responsible for the property damage of a third party, CGL insurance may help cover their repair or replacement expenses.

·        Personal and advertising injury—CGL insurance may provide coverage for claims of personal and advertising injuries (e.g., libel, slander and copyright infringement) against your business.

Additionally, general liability insurance may help cover the legal expenses (e.g., legal defense costs) associated with covered claims. Policies vary and other coverages (e.g., products-completed operations coverage and medical payments coverage) may be included with CGL insurance. Consult with Vozza Insurance for details on terms, limits and exclusions.

How Much General Liability Insurance Do I Need?

Businesses’ insurance needs depend on several variables, including the size and industry of their company. Additionally, CGL insurance may be required by licensing bodies, landlords or clients. Our agents can assist you in analyzing your needs and risk profile and help ensure you are securing adequate coverage for your operations.

How Much Does General Liability Insurance Cost?

The cost of general liability insurance varies. Factors such as your business’s size, location, industry and claims history affect premiums and your chosen policy’s details (e.g., the selected coverage limits). Reach out to us for a quote.

Contact Us

The team at Vozza Insurance is ready to help you obtain the optimal general liability insurance coverage for your business. Contact us today for more information.