General liability insurance is a critical safeguard for businesses of all sizes, offering financial protection against claims involving bodily injury, property damage, and personal injury that may occur on your premises or as a result of your business operations. Whether you’re a well-established corporation or a growing startup, the experienced team at Elliott, Powell, Baden & Baker has access to a wide range of general liability insurance solutions. We’ll work with you to tailor a policy that meets your unique needs—so you can focus on running your business with confidence.
What Does General Liability Insurance Cover?
Bodily Injury Coverage
If a third party—such as a customer, vendor, or visitor—is injured on your business premises or as a result of your operations, general liability insurance can help cover medical expenses, legal fees, and any settlements or court-ordered judgments related to the incident.
Property Damage Coverage
Should your business activities cause damage to someone else’s property—for example, accidentally damaging a client’s home or office—general liability insurance can cover the cost of repairs or replacement, as well as associated legal expenses if a lawsuit is filed.
Personal and Advertising Injury Coverage
This portion of your policy protects against claims involving libel, slander, defamation, copyright infringement, and other types of personal or advertising injury that may result from your marketing or public communications.
Legal Defense Costs
General liability insurance typically includes coverage for legal defense expenses. This includes attorney fees, court costs, and any settlements or judgments, up to the limits of your policy—even if the claims made against you are groundless.
Products and Completed Operations Coverage
If your business manufactures, distributes, or sells products—or provides services—this coverage helps protect against claims of property damage or bodily injury caused by those products or completed work after the sale or service is finished.
General liability insurance is essential for most businesses, offering a critical layer of protection against everyday risks and potential liabilities. Coverage and policy limits can vary based on factors such as your industry, business size, and operational scope. At Elliott, Powell, Baden & Baker, our experienced team offers complimentary policy reviews to help you identify the right coverage and ensure your business is fully protected—now and into the future.