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General Liability

General liability insurance is something you cannot do without. As a business owner, you are familiar with the day to day uncertainties of small business operations.

We at Liberty United Insurance understand you need complete business protection not just your “one size fits all” coverage. We cover medical expenses, attorney fees and damages when you are legally responsible and other situations that may not have even crossed your mind.

+The typical modern General Liability coverage form contains the following component coverages:

General AggregateThis is the limit the insurance company will pay on your behalf for any number of claims during the policy period. The most they will pay on one loss cannot exceed the Occurrence Limit.

Products and Completed Operations – The limit of this coverage is the amount the Insurance Company is obligated to pay on your behalf based on policy coverage. This coverage extends protection to you during manufacturing or contracting operations. An example would be if you installed something incorrectly and caused damage or if you sold a defective product.

Personal and Advertising Injury – This coverage affords protection against claims such libel, slander, defamation of character or invasion of privacy (personal Injury) and claims alleging written or publicized offenses of the above examples.

Each Occurrence – The total amount shown as a limit of this coverage establishes how much the Insurance Company is obligated to pay on your behalf for each incident which leads to a claim made to the Company under the terms of your policy.

Fire Damage Liability – The maximum amount the company will pay on your behalf, if you negligently cause a fire which damages a building you lease or rent for your business.

Medical Expense – The limit the company will pay for medical bills incurred by a person injured on your premises, regardless of whether or not your organization was at fault for causing the injury. If your business is deemed to be negligent, the responsibility falls within the limit of bodily injury portion of coverage.