Living in the wonderful world that we do, there are so many different types of insurances because there is always someone looking to sue. I’m sure that without too much thought you can think of a lawyer that is jumping at the bit to sue a business for any reasonable cause. Make sure you have the right coverage for your business.
General Liability Insurance
General Liability Insurance is just as it sounds, it provides general protection. Specifically, general liability covers bodily injury, property damage, and personal injury. Bodily injury covers you as the business owner if someone is physically harmed on your premises. Property damage encapsulates structural insurance. In those crazy stories of cars driving into storefronts, although it was always unnerving and destructive, the owner is covered for damages. Personal injury insures against libel and slander. I know you know what slander is, but what is the difference between libel and slander? Where slander is just spoken defamation, libel is written. If you were to spread “John Doe’s restaurant serves roaches and rats” it doesn’t become libel until you put it on social media or put it in writing. Obviously libel is a lot easier to prove and holds better in court. General is the basic trim of insurance. If you can’t or don’t get anything else, get general liability insurance.
Best General Liability Insurance Companies 2025:
-
The Hartford
-
Simply Business
-
Trivily
