General Liability Insurance

Protecting your business against legal claims, medical bills and lawyers’ fees

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General Liability Insurance

General liability insurance is a coverage plan that protects small and commercial businesses from the cost of claims that can be made as a result of the following events:

Bodily injury to a customer, vendor, or passerby
Damage to a third-party property (including rental property and electronic data)
Lawsuits resulting from copyright infringement or misleading advertisements

To state simply, general liability insurance covers all the costs of legal claims, medical bills and lawyers’ fees.

Most states mandate that all businesses; major conglomerates, medium-sized enterprises as well as small businesses have basic insurance coverage in the form of general liability to ensure that businesses, as well as the major stakeholders, are eligible to claim to financial support in case of unexpected events that could disrupt a company’s operations.

All the insurance companies that are operating in the NM, Texas and Utah do offer their customers a basic to premium general liability insurance coverage plan that can protect the businesses from all the possible claims that can be made against the company. Most companies already have a clear idea of what to look for in their general liability insurance plan. This allows them to conduct thorough research and pick the plan that is best suited to their business’s needs.

However, those businesses that may not have an idea about the potential threat their business could face in the future are given a detailed consultation session by the representative of the insurance company so that without wasting a single dollar on unnecessary coverage, the company is able to find the general liability plan that works best for its business.

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Benefits of General Liability Insurance Cover?

Pays for the medical expenses

In case someone other than you or your employee is injured on your business property or as a result of your business operations and has to be hospitalized for treatment, then your general liability policy will cover the medical costs for up to $5,000.

Pays for repairs and replacements

If you or your employee damage someone else’s property while performing your business operations, then the general liability insurance can be claimed to pay for the damages and replacements.

Pays for damage caused to electronic data

In case your company’s actions lead to the partial or complete loss of data for another person or company, then you will receive coverage of up to $25,000 to pay for the damages.

Pays for the legal costs of lawsuits

Consider, for example, that you released a misleading advertisement claiming you are endorsed by a certain celebrity, but in reality, that never happened and the celebrity filed a lawsuit against your company, then you can use your general liability coverage claims to pay for the legal fees.

Levels of General Liability Insurance Coverage

Operating a business can be risky, especially if you are new in the market and had limited resources and financial support to kick start your business. Your business requires a protection plan to ensure that in the case of unexpected events like a customer falling down the slippery stairs of your retail store or young kids getting sick after drinking the milk manufactured by your company, your business has the necessary financial aid to pay for the medical costs and legal fees.

The level of your general liability coverage in New Mexico, Texas and Utah will depend on the nature and size of your business. Businesses that are riskier and have more at stake need a higher level of general liability coverage as compared to the less risky ones.

A company like Nestle, which is a multinational brand from the food and beverage industry, has the potential to cause much greater harm with a single batch of its product as compared to a boutique selling handmade women’s wedding dresses. Companies should first determine all the possible threats that they could face in the future that could result in high financial costs and then decide on the level of coverage they need from their general liability plan.

Remember, what may seem like additional costs that are not covered under the plan could add up and lead to excessive financial losses over time.

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Our general liability insurance plans provide coverage from all the claims that could be made against your business in the future. You can check and compare our general liability coverage plans to make your business disaster-proof today.

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