General liability insurance

What's special about this policy?

If you have visitors to your business premises or go to your clients' sites, you need general liability insurance.

The insurance covers for claims made against you for injury to third parties or damage to their property in the course of your work.

Imagine an accident caused by someone tripping over a computer cable in your office, for example, or perhaps a client falling on their way to see you as a result of an uneven pathway in your company parking lot.

For both personal injury and property damage claims, you're covered for related legal fees, costs and expenses.

Settlements can reach six figures in general liability cases and the legal costs of a claim, let alone compensation payments, can be enough to put you out of business.

Who is it for?

You should consider general liability insurance if you or your employees:

• Visit a client's place of work, or clients visit yours.
• Have access to a client's equipment. (i.e., a client's server).
• Use third-party locations for any business related activities.

Why do you need it?

• General liability claims are notoriously expensive.
• To safeguard your business.
• Often a contractual stipulation.

General liability insurance sample policy documents

General liability policy wording

Important information about the terms and conditions of a general liability policy.