General Liability Insurance In Arizona

Understanding the intricacies of general liability insurance in Arizona can be a daunting task. However, it is an essential aspect of running a successful business. This comprehensive guide aims to shed light on the key aspects of this type of insurance, its importance, and how it can protect your business.

Understanding General Liability Insurance

General liability insurance, also known as commercial general liability (CGL) insurance, is a policy that protects businesses from financial loss resulting from claims of injury or damage caused to others by the business or its employees. It covers legal costs and payouts for which the insured party would be responsible if found legally liable.

Whether you own a small business or a large corporation in Arizona, having general liability insurance can protect you from unforeseen circumstances that could potentially harm your business operations.

What Does General Liability Insurance Cover?

General liability insurance typically covers three main areas: bodily injury, property damage, and personal and advertising injury. Bodily injury coverage pays for costs stemming from physical harm to a person at your business or an injury caused by your employee at a client's site.

Property damage coverage, on the other hand, pays for damage or loss to someone else's property caused by your business operations or employees. Lastly, personal and advertising injury covers offenses made by your business in its advertising of its goods, products, or services.