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What is General Liability Insurance?
General liability insurance is a type of insurance policy that provides coverage for businesses against claims for bodily injury, property damage, and personal and advertising injury caused by the business's operations, products, or services. It is designed to protect businesses from financial losses due to legal claims and lawsuits.
Key aspects of general liability insurance include:Bodily Injury: Covers medical expenses, legal fees, and settlements or judgments if someone is injured on the business premises or as a result of the business's operations.
Property Damage: Covers the cost of repairing or replacing someone else's property that is damaged by the business's operations.
Personal and Advertising Injury: Provides coverage for claims related to libel, slander, copyright infringement, and other personal or advertising-related issues.
Legal Defense Costs: Covers the cost of legal defense if a business is sued, regardless of whether the business is found liable or not.
General liability insurance is essential for businesses of all sizes and types, as it helps mitigate the financial risks associated with potential lawsuits and claims.
