General Liability

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Service Overview
General Liability

General liability insurance is the cornerstone of your business’s protection against unforeseen liabilities. It provides financial security for claims arising from your business operations, including bodily injury, property damage, and personal and advertising injury.

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Coverage Outline

1. Bodily Injury

Covers medical expenses and legal costs if someone is injured on your premises or as a result of your operations.

2. Property Damage

Pays for repairs or replacement if you accidentally damage someone else’s property.

3. Personal and Advertising Injury

Protects against claims like libel, slander, or copyright infringement.

Covers attorney fees, court costs, and settlements—even if a claim is groundless.

5. Medical Payments

Covers small medical expenses for injuries sustained by non-employees on your premises, regardless of fault, helping to prevent lawsuits.

6. Damage to Rented Premises

Pays for damages your business might cause to premises you rent or lease (e.g., from a fire you’re responsible for).

7. Products and Completed Operations

Protects your business if a product you sell or a service you complete causes injury or property damage after the work is done.

8. Additional Insured

An additional insured endorsement extends your policy’s liability protection to other individuals or organizations (e.g., landlords, contractors) that require proof of insurance as part of a contract. This shows your commitment to partnerships and compliance with contractual obligations.

9. Waiver of Subrogation

A waiver of subrogation prevents your insurance company from seeking reimbursement from another party, even if they were responsible for the loss. This can be required by clients or partners to prevent litigation and promote smooth business relationships.

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What Is General Liability Insurance?

General liability insurance protects your business from unexpected financial losses caused by accidents, property damage, or injuries involving third parties. It covers legal expenses, medical costs, and potential settlements — helping your company stay financially secure and operational when the unexpected happens.

Having the right policy means you’re not only protecting your business assets but also your reputation and stability. Whether you run a small shop or a growing enterprise, general liability insurance ensures that one accident or claim doesn’t turn into a major setback.

At Insurance Express Agency, we help you find the coverage that fits your business needs and budget — offering reliable protection so you can focus on what matters most: running your business with confidence.

Stay protected. Focus on growth.

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Founded in 2013, Insurance Express has proudly served as a trusted, independent insurance brokerage, dedicated to delivering comprehensive coverage solutions for individuals, families, and businesses alike.

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