What is Commercial Liability Insurance?


by Daniel McClain on Oct 23, 2014

No matter how safe your business is, there will always be liabilities that your employees and customers may come in contact with. Liabilities lead to lawsuits, which lead to expensive charges and fines that your business most likely cannot afford. You can protect your business by investing in the right commercial liability insurance.

Examples of Liability

There are three basic categories in which businesses can be held responsible for in a lawsuit. Those three categories are:

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

All of these injuries and damages are typically covered in liability insurance packages to protect you from accidents that occur on your property. Without this insurance coverage, your business could easily face claims of wrongdoing, whether valid or fraudulent, putting your company’s assets at risk.

Why Do I Need Commercial Liability Insurance?

Insurance Document, Agreement, Documents, Sign

When charges come against your business and you do not have insurance, chances are that you will not be able to afford how much it will cost you. Under the coverage of general liability insurance, the charges and fines against you will be paid, and you will be able to stay in business.

If a customer is truly injured while on your property, you will also want to pay for the cost of health care. This would be covered by commercial liability insurance.

Charges made against your business are serious, and should be handled with great care and consideration. Invest in the right insurance today to ensure that your business will remain protected from damaging charges and claims. 

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