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General Liability

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General Liability Insurance

Every business faces exposure to liability losses.  A business may become leagally liable or bodily injury suffered by another person or persons, or for damage to or destruction of the property of others.  Regardless of who wins or loses a law suit, litigation is time consuming and expensive, no matter how ridiculous the suit may be. Examples:

  • Lawsuit for Negligence
  • Violation of contact provisions
  • A tenant is held responsible for a third party injury occurring on the rented property due to the clause on a lease
  • Defective product causes injury to its user

There are many different plans and options when choosing a general liability plan, and our experienced agents can assist you in finding the right plan at the right budget. If you have the right liability insurance plan in place, you can be protected if you face a lawsuit.

Certain businesses face more risk of accidents or injuries, so doing an analysis of your business can help in finding the best general liability plan that fits your needs.

 

What General Liability Covers

Exposures Excess liability insurance remains the most effective way for companies to protect against the potentially catastrophic financial impact of product liability lawsuits. However, this line of insurance in particular has its own uncertainties. Few insurers have the expertise and financial strength to underwrite complex liability exposures long term.General-Liability-1

Some fall victim to financial insolvency; others retreat after realizing the complexity and magnitude of the losses. Meanwhile, companies are often uncertain how much coverage they need and what constitutes “reasonable” terms and conditions. Benchmark can help protect your business against these general liabilities:

  • Bodily Injury
  • Property Damage
  • Personal Injury (including slander or libel)
  • Advertising Injury
 

Business Classes We Cover

Contractors

Commercial / Residential General Contractors
Artisan Contractors
Restoration Contractors
Crane Operation/Rental
Roofers Sprinkler Contractors
Wrap-Up’s / Re-Wraps
Architects & Engineers

Habitational

Apartments / Condos
Student Housing
Subsidized Housing
Dwellings
Rental Properties
Rental Properties
HOA’s / Condo Associations

Manufacturers / Distributors

Importers / Exporters
Hazardous Products
Plastics / Metals
Parts / Machinery
Sporting Goods / Equipment
Medical Equipment
Toys / Children’s Clothing
Nutraceutical / Herbal
Auto Parts
Chemicals
Cosmetics / Spa
Industrial

Medical  / Healthcare

Medical Malpractice
Hospitals / Clinics
Residential Care
Assisted Living Facilities
Ambulance Services
Counseling / Psychologists
Imaging Centers
Pharmacists / Pharmacies
Medical Equipment Dealers
Medical Equipment Manufactures
Pharmaceutical Products

Hospitality

Convenience Stores
Bars / Taverns
Restaurants
Hotels / Motels
Nightclubs
Gentleman’s Clubs

 

General Liability Questionnaire

General Liability Questionnaire – Click HereQuestionnaire