Protect your business from liability claims

General Liability Coverage

This is designed to protect you against claims for damages arising from bodily injury or property damage caused by negligence. It is also a broad- based customizable solution suitable for your organization’s protection needs.

COVERAGE HIGHLIGHTS

BENEFITS:

  • Flexible policies that can be tailored to clients’ needs
  • Seasoned and dedicated underwriters
  • Multinational network capability
  • Active claims management where the right experts  are used at the right time
  • Relevant risk engineering services

 General Liability policies have different levels of coverage. A policy may include premises coverage, which protects the business from claims that occur at the business’ physical location during regular business operations. Excess liability coverage can be purchased in order to cover claims that exceed the limit of the policy. Some commercial general liability policies may have exclusions to what actions are covered. For example, a policy may not cover the costs associated with a product recall.

When purchasing General Liability Insurance, it is important for the businesses to differentiate between a claims-made policy and an occurrence policy. A claims-made policy provides coverage over a specific time period and covers claims made during that time period even if the claim event occurred at a different time. In addition to commercial general liability policies, businesses may also purchase policies that provide coverage for other business risks. For example, the business may purchase employment practices liability coverage to protect itself from claims associated with sexual harassment, wrongful termination, and discrimination. It may also purchase insurance to cover errors and omissions made in financial reporting statements, as well as coverage for damages, resulting from the actions of its directors and officers.

In addition to commercial general liability policies, businesses may also purchase policies that provide coverage for other business risks. For example, the business may purchase employment practices liability coverage to protect itself from claims associated with sexual harassment, wrongful termination, and discrimination. It may also purchase insurance to cover errors and omissions made in financial reporting statements, as well as coverage for damages, resulting from the actions of its directors and officers.