| Commercial general liability insurance is a form of | | | | spews huge amounts of water and cleaning chemicals |
| business insurance that financially protects your | | | | in all directions. In the process, damage is done to the |
| company from the damages resulting from an | | | | building you are cleaning. Legally, the customer has |
| accident that is the fault of you, your equipment, or | | | | the right to sue you for damages and you are |
| one of your employees during the course of the | | | | entirely liable for the cost of repair. |
| performance of the services offered by your | | | | That is the beauty of liability insurance. If you have |
| company. It is an often overlooked, but vital | | | | good coverage, all you have to pay out of your |
| component of the general insurance coverage for | | | | pocket is the deductible you agreed on when you |
| your business. | | | | set up the policy. After that, your insurance carrier |
| Let's assume for the moment that your business | | | | will pay the remainder of the damages awarded, as |
| runs a service that cleans carpets in people's homes. | | | | well as any lawyer and court fees that have |
| During the cleaning process, you routinely use various | | | | accumulated as a result of the accident if your |
| soaps, shampoos, and equipment in the performance | | | | customer took you to court over it. |
| of your job in order to ensure that you leave | | | | So, it may seem like an extraneous expense because |
| everything as clean as possible.. | | | | it is not used very often, but in the event that |
| Now, let's assume that in the process of a cleaning, | | | | something does, liability insurance will seem like the |
| your commercial carpet shampooer breaks down and | | | | greatest financial decision you ever made. |