Protect Your Business with General Liability Insurance

Owning a business comes with many rewards but also some risks. One major risk is the possibility of being sued by a customer, employee, or third party. General liability insurance can help protect your business from these financial setbacks by covering medical expenses, legal fees, and damages you may be found liable for.

What is General Liability Insurance?

General liability insurance is a type of business insurance that safeguards your company against claims of bodily injury, property damage, and certain types of personal injury (like libel or slander) that arise from your business activities. It can cover incidents that happen at your business location, from customer slips and falls to product malfunctions. Nationwide offers comprehensive general liability plans that can be customized to fit your specific needs.

Who Needs General Liability Insurance?

Most businesses can benefit from general liability insurance. It protects you from lawsuits, investigations, settlements, and various damage claims. While general liability covers a wide range, some exclusions include employee injuries, auto accidents, and intentional acts. A qualified business insurance agent can help you determine the right amount of coverage for your industry.

Business Liability Insurance Endorsement Options

In addition to basic general liability coverage, Nationwide offers various endorsements to further protect your business:

  1. Hired and Non-Owned Auto Liability: Provides coverage for rented vehicles or employee personal vehicles used for business.
  2. Umbrella Policy: Supplements your existing liability coverage with additional limits in case of high-cost claims.
  3. Product and Completed Operations Liability: Covers bodily injury and property damage caused by your products or work, even after they leave your premises.
  4. Employment-Related Practices Liability: Protects you from employee lawsuits alleging wrongful termination or discrimination.
  5. Directors and Officers Liability: Provides coverage for claims against directors or officers resulting from poor decisions.
  6. Liquor Liability: Protects your business from claims related to serving or selling alcoholic beverages.
  7. Fire Legal Liability: Covers your negligence resulting in fire damage to a rented or leased property.
  8. Personal and Advertising Injury Coverage: Protects you from lawsuits for copyright infringement, libel, and slander.

Nationwide General Liability Insurance Local Agent

General liability insurance is an essential investment for businesses of all sizes. By understanding your coverage options and working with a qualified agent, you can ensure your business has the financial protection it needs to thrive. As your trusted local agent partnered with Nationwide, we pledge to provide personalized and comprehensive coverage for you and your business in Florida. Contact John Perry Insurance today to discuss your general liability insurance needs

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