General Liability Insurance

Many businesses need general liability insurance to cover common claims arising from third-party incidents. For example, general liability coverage could help pay for medical care if a customer slips and breaks an arm in your store. Contact Bradley Insurance Agency in Knoxville, Tennessee, to learn more about our general liability insurance policies.  

What Is General Liability Insurance? 
General liability insurance is a business insurance policy that can help pay for liability lawsuits, bodily injuries or property damage caused by your everyday business operations. It is crucial to managing risk, whether you have a small, medium or large company.  

States don’t typically require general liability insurance; however, your landlord or customers may ask for proof of insurance before entering into a business agreement. In some cases, general liability insurance may be required to meet licensing requirements.  

What Does General Liability Insurance Cover? 
A general liability insurance policy can cover third-party claims that your business is responsible for their injuries or property damage. A standard policy may include the following coverages: 

• Property damage liability can help pay for repairs or replacements if your business is held responsible for causing third-party property damage.
• Bodily injury liability coverage can help pay for legal costs, such as settlements and defense costs, if your business is accused of causing third-party bodily injury.
• Medical payments coverage (MedPay) can help pay for medical care if a third party is injured on your premises or after being exposed to your operations, regardless of who’s at fault.
• Personal and advertising injury liability can help cover expenses (e.g., defense costs and settlements) if your business is liable for causing personal injury or advertising injury (e.g., issuing false or misleading statements or using stolen advertising ideas).

What Are the Types of Liability Insurance? 
Your insurance needs are unique and industries have varying coverage needs. In addition to general liability insurance, you may want to consider additional liability coverage options, such as the following: 

• Professional liability insurance
• Cyber liability insurance
• Management liability insurance
• Product liability insurance Umbrella liability insurance 

Workers’ compensation insurance and commercial auto insurance may also have liability coverage components. Reach out to our agents for more information. 

Contact Us 
The professionals at Bradley Insurance Agency can help you secure the policies that best meet your needs. Contact us today for a customized insurance quote.