Business Insurance

General Liability Insurance

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General Liability Insurance Coverage for More than 70 Years

General liability Insurance, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. Coverage typically includes product Oyer, Macoviak and Associates recommends that all businesses have general liability insurance coverage in place.

Because we are an independent agency, we can compare general liability options from multiple insurance companies instead of being limited to one carrier.

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Compare General Liability Insurance Options

Take a look at the list below for additional general liability coverages that are often available.

Professional Liability Insurance (Errors & Omissions) Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Oyer, Macoviak and Associates recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI) Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, Oyer, Macoviak and Associates recommends considering this type of coverage.

Directors and Officers Insurance (D&O) D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

General Liability Insurance Articles

FAQ General Liability Insurance

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

01What is general liability insurance?

General liability insurance is a type of insurance designed to protect a business or individual from claims which are brought as the result of an accident, injury or property damage occurring on one’s property. General liability insurance provides coverage for damages such as medical costs incurred by injured parties, compensation for time lost from work and legal defense fees if sued. Individuals with general liability insurance can also purchase coverage for products used by the insured, such as chainsaws or other power tools.

02Who has general liability insurance?

Individuals, businesses, and nonprofits typically have a variety of exposures that might require the need to purchase a general liability policy. For example, an individual involved in landscaping may have clients whose properties they maintain, and they may also have customers who are injured while on their property. An individual working in a warehouse could accidentally strike another worker with a forklift or jackhammer, injuring them. A homeowner might find that an unauthorized guest of his breaks his television while visiting and refuses to pay for the damage.

General liability insurance is often required by law for individuals and businesses who offer goods or services to the public. If an individual has no general liability insurance, he might find it difficult to obtain credit, especially from larger companies that require proof of coverage as part of their application process.

Nonprofit organizations typically have several exposures that could lead them to purchase a liability policy. For instance, they may be required to obtain liability insurance to maintain their non-profit status, or if they rent out facilities that could lead to legal issues if others are injured while using the space.

03What does general liability cover?

A general liability policy may provide coverage for personal injuries such as wrongful death, medical expenses and even psychological damages resulting from an accident. General liability will also compensate the insured for any property that was damaged during the incident. In the event of a wrongful death, this includes lost income and funeral costs.

Nonprofit organizations may need to carry additional coverage if they have significant assets at risk. For example, if someone is injured on one of their properties and files suit demanding compensation for his injuries, a nonprofit may need to make provisions so that they can pay all the damages without jeopardizing their ability to continue operating. What is CGL insurance?

General liability insurance (also known as “casualty”, “comprehensive general liability,” and “comprehensive” or “commercial” coverage) protects you and your business against claims of liability for death, bodily injury and property damage caused by accidents that occur on your premises or because of something you did or failed to do. Typical claims handled by general liability insurance include:

Bodily Injury – Coverage to compensate injured persons who are not employees of yours, but who suffer physical injuries because of your activities.

Property Damage – Coverage to repair or replace property damage caused by your operations, products, or premises.

Personal and Advertising Injury – Compensation for damages that result from an alleged defamatory statement (libel) about you or your business. Also provides coverage if a person is injured while on the premises because of an advertisement that you prepared.

Medical Payments Coverage – Pays for medical treatment of persons injured at your business, regardless of who may be legally responsible.

04Is general liability insurance required?

General liability insurance is not technically required but many businesses, especially those that sell or serve the public are legally obligated to have this coverage. It’s also essential for most professional services firms (like accountants and lawyers) and other organizations who work with the public like trade associations and charitable groups.

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