Bodily Injury and Property Damage for Premises and Operations covers expenses that you may become legally obligated to pay because of an incident that happens at your business location.  Let’s say a customer slips and falls on the wet floor or becomes ill from improper food preparation.  That would be considered negligent acts occurring on your premises and your General Liability policy would provide coverage for you.

Products and Completed Operations provides coverage for an incident that happens away from your business location.  Let’s say a heating contractor installs a furnace incorrectly and causes an injury.  Your General Liability Products and Operations policy would provide coverage for you.

Personal Injury Liability focuses on when your business becomes legally obligated to pay for personal injury claims.  Personal Injury means slander, libel, invasion of privacy, and spoken defamatory statements to name a few.

Medical Payments Coverage will voluntarily pay for the injured’s medical payments regardless of fault.  Let’s say your customer simply trips over their own feet causing them to fall.  This coverage would apply in that instance.

Several endorsements can be added to a General Liability policy to “personalize it” to your business’ exposures.  Be sure to speak with your agent in detail so we can better understand how to insure you properly.