| The need for having a commercial general liability | | | | you. |
| insurance coverage is paramount if you are running a | | | | A commercial general liability insurance policy protects |
| business or commercial establishment of your own so | | | | you from all these liabilities and many more by paying |
| as to protect you against the many liability claims | | | | for the damages or by reimbursing you. In the event |
| that you may be subjected to. | | | | that a claim made against you is successful, you |
| Commercial general liability insurance protects you | | | | stand to lose a lot. A successful claim usually means |
| against those liabilities that might be incurred as a | | | | that you end up paying increased amounts as |
| result of your business dealings with customers or | | | | monthly premium towards your policy. The reason is |
| other individuals or organizations. There are many | | | | that you are perceived as high risk by the insurance |
| types of liabilities that could be claimed against you | | | | company with each claim that is successfully made |
| and your business. | | | | against you. |
| These include claims for personal injury or bodily | | | | General liability insurance protects you from various |
| injury suffered by a customer at your place of | | | | liabilities that you might incur, namely personal injury |
| business or a claim arising out of faulty goods and | | | | liability which also includes bodily injury, property |
| service delivery. There might be also instances when | | | | liability claims, workmen's compensation claims and |
| you might face a worker's compensation claim for | | | | also claims arising from advertising injury. Irrespective |
| injuries suffered at the workplace by your | | | | of whether the claim against you is false or genuine, |
| employees. | | | | you stand to gain from the protection given by your |
| The most common causes for liability claims are | | | | coverage instead of having to go in for a million dollar |
| usually slip and fall accidents in which customers are | | | | settlement with the plaintiff. The policy protects you |
| involved and which take place at your place of | | | | and your business from suffering the ill effects of |
| business as well as accidents that involve your | | | | litigation. |
| employees during their course of employment with | | | | |