General Liability Coverage: What’s Covered – And What’s Not

There are many different types of insurance available for businesses and individuals. There are also thousands of different insurance companies to choose from — sometimes deciding what kind of insurance and what company to go with can be very stressful. You want to protect yourself, loved ones or your business if tragedy should strike. Having the right kind of insurance can provide peace of mind.

General Liability Insurance
General Liability Insurance

But you also do not want to overpay either. You want great insurance at an affordable rate. What kinds of insurance are available? That depends on what you’re in need of. For individuals, auto, life, health or dental insurance is good to have. For businesses, you want a plan that covers damages, personal injury, and general liability. If you are running contractors business, you need contractors-insurance.

There are business policies that cover automobiles, boats, and airplanes as well. If you are looking for a good deal on liability insurance and simple search on the internet under general liability insurance Lake Charles will lead you to Kelly Lee Insurance. This insurance company will get you the best rates possible.

The reason for this is they are contracted out to over 50 different insurance companies. They will compare rates for you and give you the best quote they have to offer. Having them do the work for you is one less thing!

Coverage Included under General Liability Insurance

You might be wondering what exactly is general liability insurance. Depending on the company, it may also be known as business liability insurance. This type of insurance protects your business from lawsuits and other legal actions should an accident or damage arise. What is covered under this type of insurance? Under general liability insurance, your business is protected if an individual claims injury or damage to their property.

It also protects any rental property you may have that receives damages from catching on fire or weather-related occurrences. You’re covered if someone claims your business is harassing them or threatening them. We will cover medical payments associated with the claim as well as cover you if false advertising claims are made.

Not Everything is Covered

A lot is covered under general liability insurance. However, some things are not. This type of insurance does not cover damage done to your business; it only covers damages made against your business. If your employees get hurt and make a claim, you are not protected. Car accidents you or an employee are involved in while working also is not covered. And harassment or threats purposely done by your company is not included in general liability insurance. There’s a whole gray area not covered by general liability insurance. And as a business owner, it’s your job to make sure you understand everything your policy offers and doesn’t.

General liability is not a requirement, but without it, your business could get into serious legal trouble if an accident occurs. You could end up paying a lot of money without insurance. General Liability insurance can bring peace of mind to any business out there. Do not be cheap and skip it. You will end up regretting that decision.

Kelly Lee Insurance can help find insurance prices that fit your budget. They have the experience to guide you. And their excellent customer service representatives will help you out along the way and answer any questions you may have. Your family and clients will feel more comfortable knowing your business and customers well being is protected.

And you will feel better knowing you are covered should an incident arise. Call Kelly Lee Insurance today and get the quote your business deserves.

Sarah Williams

Sarah Williams is a CEO and Author of one of the Top Leading Website Sggreek.com. I fond to write on Tech, Lifestyle, Business, Entertainment, Health etc.

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