Employer Business – General Liability
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General Liability Insurance
What type of claims?
Any event (accident or product failure) which injures the claimant physically or financially, for which you or your company could be blamed, puts you at risk. The range of coverage under these policies is very wide and
General Liability insurance covers claims for personal injury and property damage made by ‘third parties’ – normally the general public. Without GL you and/or your company will be liable for claims and legal fees. GL policies do not cover claims from your employees, damage to company owned property or theft. General Liability coverage is not required by law but not having coverage could put your business at risk. Policies are tailored to individual business needs: you can for example include property and theft as part of your insurance program.
TrueCoverage will help to find the policy which matches your operational needs.
TrueCoverage will help to find the policy which suits your employees.
Understanding General Liability
Frequently Asked Questions
How much does GL cost?
There is no easy answer. It depends on many factors. For example, the size (number of employees, contractors), the nature of the business, your standards of safety and the limit you set on aggregate exposure.
Understandably, a company that manufactures, delivers and installs their own products is exposed to more risk than another of similar size that only performs one of these operations.
Does GL have deductibles?
Yes, higher deductibles result in lower premiums and most small claims can be settled without resorting to your insurances (except for advice).
Is GL tax deductible?
Although not mandatory, GI is recognized by the IRS as a ‘cost of doing business’ and is fully tax deductible.
Does GL cover faulty workmanship?
Yes, provided that the project is completed and the operative has left the premises. In many
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