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General Liability

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.

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

  • Commercial / Residential General Contractors
  • Artisan Contractors
  • Restoration Contractors
  • Crane Operation/Rental
  • Roofers Sprinkler Contractors
  • Wrap-Up’s / Re-Wraps
  • Architects & Engineers
  • Apartments / Condos
  • Student Housing
  • Subsidized Housing
  • Dwellings
  • Rental Properties
  • Rental Properties
  • HOA’s / Condo Associations
  • 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 Malpractice
  • Hospitals / Clinics
  • Residential Care
  • Assisted Living Facilities
  • Ambulance Services
  • Counseling / Psychologists
  • Imaging Centers
  • Pharmacists / Pharmacies
  • Medical Equipment Dealers
  • Medical Equipment Manufactures
  • Pharmaceutical Products
  • Convenience Stores
  • Bars / Taverns
  • Restaurants
  • Hotels / Motels
  • Nightclubs
  • Gentleman’s Clubs

General Liability Questionnaire

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