General Liability

The only way to effectively protect the assets of your business is to carry adequate commercial general liability (CGL) insurance coverage. CGL protects your business from damages caused by bodily injury or property damage for which your business is found to be legally liable.

General Liability Coverages:

• Personal and advertising injury: Protects against offenses made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements.
• Defense costs: Provides coverage for legal expenses for liability claims brought against your business, regardless of who is at fault.
• Medical expenses: Provides coverage for medical expenses if someone is injured on your premises or by your products.
• Premises and operations liability: Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.
• Products liability: Provides coverage for bodily injury and property damage sustained by others as a result of your products.

Ways to protect your business in addition to General Liability Insurance

• Establish a high standard for product quality control at your organization.
• Keep all company records up to date and accurate.
• Train your employees thoroughly and properly.
• Ask Swarts, Manning & Associates for safety and compliance information.