Commercial General Liability

A Commercial General Liability insurance policy protects your business against liability claims for:

  • Bodily Injury
  • Property Damage
  • Personal Injury (including slander or libel)
  • Advertising Injury

In addition to covering the claims listed above, Commercial General Liability policies also cover the cost to defend or settle claims – even if the claims are fraudulent.

Business Liability insurance protects your business against significant financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverages may not be available on all policies or in all states.)

General Liability Insuranceis an excellent resource to use for protecting your bar, tavern nightclub or restaurant investment. In fact, Ohio, Indiana, and Kentucky general liability insurance is essential for any company owner. General liability insurance is intended to guard and protect owners of businesses from claims that may come from a wide spectrum of sources.

Example: A cook at your restaurant left the egg-based aioli sauce out overnight but didn’t tell anyone to avoid any repercussions.  Over the next 3 days 22 patrons fall sick from food poisoning 2 are hospitalized one is a child.  Medical expenses and legal fees total up to $189,000.  This is where your General Liability Policy kicks in and pays the claims.