General Liability Insurance
General Liability and/or product liability insurance is necessary for a business because every operation is responsible for its products, services, and the conduct of its employees. General Liability Insurance protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employees.
Regardless of whether you manufacture products, deal in intellectual property, or provide some type of service, you need liability insurance to protect you from third-party claims for bodily injury, property damage, personal injury, or advertising liability:
- Bodily Injury Liability: Protects your business from paying for damages if a third-party should become injured on your premises or injured as a result of using one of your products.
- Property Damage Liability: Provides protection for you if a third-party's property is damaged as a result of using one of your products or if your business or one of your employees is responsible for that damage.
- Personal Injury Liability: Protects you if a third-party is prosecuted as a result of your business operations or the actions of your employees (i.e., false arrest or detention, wrongful entry or eviction, libel or slander, acts which violate someone's right to privacy).
- Advertising Liability: Provides protection for your business for personal or other injuries to a third-party as a result of your business advertising.
Huntington Insurance has experience working with all types of businesses and can provide your company with valuable insight into the potential liability risks you face. We work with you to fully understand your operation and evaluate your risks. We then provide suggestions on how to control your losses and help you determine how much risk you should retain and how much risk should be transferred to an insurer.
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