As an owner or potential owner of a business, you have many important decisions to make about your operations, and insuring your business and protecting your assets is one of the most crucial.
According to the Independent Insurance Agents of America, no matter how large or small your business, you face liability, which means that your business could be held accountable when someone else suffers an injury or damage to their property because of something your business did or did not do.
General Liability Coverage includes:
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Bodily injury - includes sickness, disease or death sustained by a person or persons.
* Property damage - includes physical damage to someone else's property and loss-of-use of the damaged property.
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Personal injury or advertising injury - personal injury refers to harm to another person's or business's reputation or basic right to privacy. Advertising injury refers to harm caused by an advertisement, such as an ad slandering a competitor.
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Products and completed operations injury - product coverage is extended to any harm that a business's reputation might cause, including injury arising from "complicated operations" such as repair work or electrical installations.
You will need to carefully consider the limits that are sufficient to cover the type of work you are doing, the product you are selling and the amount of interaction you have with the public.
Remember, no two businesses are alike. We can help you design an insurance program specifically tailored to meet your needs, and protect your business from the many risks you face in your daily operations.
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Insurance
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