Every business or organization runs the risk of people suing them for injury or damages that arise from their business operations. Commercial general liability insurance protects your business or organization against claims for bodily injury and property damage arising from: your premises (or property) the business operates on; your operations of the business away from their normal premises; products your business produces; or the work your business has already completed.
In addition to these types of situations, the commercial general liability policy would cover the employees of the business when they are acting on behalf of your business, and pay legal expenses defending the business and their employees.
However, not every situation a business may find themselves in is covered by the commercial general liability policy. There are circumstances in which a commercial general liability policy may not pay, or provide a defense such as:
- Damage to your property;
- Employee injuries;
- Employment disputes;
- Damage to your vehicles; or
- Professional mistakes.
You should discuss your specific business operations with one of Lozes Insurance Agency’s experienced agents to learn more.