Smple Insurance

GENERAL LIABILITY INSURANCE

At Smple Insurance, we understand the unique risks and challenges that businesses face every day. That’s why we offer comprehensive insurance solutions designed to protect your business and ensure your long-term success. Whether you're just starting or have an established company, we tailor our services to meet your specific needs.

What is General Liability Insurance?

General liability insurance (GLI) is a fundamental form of business insurance that protects a company from a wide range of claims, including bodily injury, property damage, and advertising-related offenses. It's an essential safeguard for businesses of all sizes, ensuring that they are financially covered in case of unexpected accidents or lawsuits. 

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What is Covered?

GLI serves as a fundamental safeguard against several key risks:

• Bodily Injury: Covers medical costs and legal fees if a non-employee is injured on your premises or due to your operations.

• Property Damage: Pays for repairs or replacements if your business damages someone else’s property.

• Personal & Advertising Injury: Protects against allegations of defamation, libel, slander, or copyright infringement.

• Medical Payments: Provides no-fault coverage for minor medical expenses incurred on your property, often preventing larger lawsuits.

Common Exclusions

GLI is not a "catch-all." It typically does not cover:

• Professional errors (requires Professional Liability)

• Employee injuries (requires Workers’ Comp)

• Business vehicles (requires Commercial Auto)

• Intentional harm or fraud

General liability insurance is an essential investment for protecting your business from the unpredictable risks of everyday operations. It helps safeguard your business from lawsuits, bodily injury claims, property damage, and more. Whether you’re a small startup or a large corporation, having GLI is crucial for maintaining financial stability and client trust. Reach out to a reputable insurance provider today to find a policy that suits your business’s needs.

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Disclaimer: Coverage details, limits, and exclusions may vary by policy. The information provided is a general overview and does not represent all the terms, conditions, or exclusions of any specific policy. For complete coverage details, including limitations and exclusions, please refer to the actual policy or consult with one of our agents at Smple Insurance.