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Protecting your Littleton, CO business requires more than a single commercial insurance policy. It requires a comprehensive policy package and general liability insurance (GLI) should form a fundamental part of that package. Front Range Insurance Services can help you build an insurance package that safeguards your finances from various types of settlements.
Defining General Liability Insurance
General liability insurance offers businesses financial protection when a customer, vendor, or other person or organization files a claim against them for:
- Property damage
- Bodily injury
- Libel
- Slander
While it may cover other types of liabilities, it does not cover liabilities created by a faulty product the company created. That falls under errors and omissions coverage.
What General Liability Insurance Covers
Let’s consider a few scenarios where GLI coverage applies. If a visitor to your store or office suffers an injury, for example, from a slip and fall accident, they should file a claim on your GLI policy. If kids playing ball in the parking lot break a window pane, damaging a customer’s property that you’re repairing, GLI’s property damage liability pays for the customer’s property.
A GLI policy protects both ways regarding libel and slander. This policy covers it if you make or write a defamatory statement about someone and they sue you. Conversely, if another person makes or writes a defamatory statement about your company, the reputational harm component of GLI protects your finances. Any claim of copyright infringement in marketing your company also falls under GLI’s protections. Besides the settlement costs, this policy covers legal defense costs.
Contact Us Today
Every brick-and-mortar Littleton, CO business needs liability coverage because they have on-premise visitors. Call or email Front Range Insurance Services today to start your policy.
