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General Liability Insurance in Cullman, Good Hope, Vinemont, & Falkville AL

 

Coverage for Businesses Throughout Alabama 

Good Hope, Vinemont, Falkville, Hanceville, Decatur and Arab, Alabama 

One of the main responsibilities of a business owner is keeping all of the hard work and assets protected. General liability insurance is an important type of coverage available for businesses across industries. 

At Jean Deese Insurance Agency, our dedicated agents will help you find and customize a policy to fit your needs. 

What Does General Liability Insurance Cover? 

General liability insurance is one of the most common types of liability insurance because it is one of the most important. Coverage under general liability insurance falls into three main categories: 

• Bodily Injury 
• Property Damage
• Personal and Advertising Injury 

 

Medical Payments and Property Damage 

General liability insurance can cover medical bills someone else may face if they are injured on your business’ property. For example, say someone trips and falls in your restaurant. General liability insurance can pay for expenses such as emergency services, procedures, doctor’s visits and more. 

It can also cover replacement and repair costs in case someone’s property is damaged due to the course of everyday business. If someone’s expensive jewelry is broken at your indoor trampoline park, for example, this insurance can help replace or repair the damages. 

Personal and Advertising Injury 

Personal and advertising injury coverage covers claims against the business concerning libel, slander, malicious persecution, theft of an advertising idea, copyright infringement and other incidents. This can cover legal expenses concerning these types of claims, as well. 

Legal Expenses 

Another part of general liability insurance helps protect the business in case of a general liability accident. If a lawsuit is filed against your business concerning a general liability accident, this insurance can provide compensation for legal expenses such as court fees, defense costs, settlement costs and more. 

Additional Liability Options 

General liability insurance only covers non-professional negligent accidents. To expand your coverage, you may choose to bundle it into a (BOP). A BOP combines general liability and commercial property insurance into a policy for small businesses. Other liability insurance you may add include: 

• Professional Liability 
• Umbrella Liability
• Products Liability 

Protect Your Business Today 

Protecting your business begins with the right policy. Call Jean Deese Insurance Agency at (256) 734-8711 or fill out an online quote form to get started! 

Whether you’re a small business owner or you run a larger company, having appropriate general liability insurance is essential to protect your business from various risks and potential financial liabilities.

What Is General Liability Insurance?

General liability insurance is a crucial part of any company’s risk mitigation plan. It may provide coverage for claims of bodily injury or property damage that arise from your business operations, products or services. It may also cover legal defense costs, settlements and judgments awarded by courts.

What Does General Liability Insurance Cover?

A typical general liability insurance policy may cover the following:

• Injuries—If a third party (such as a customer or visitor) is injured on your company’s property or because of your business activities, general liability insurance may cover medical expenses and legal costs if you’re sued.

• Property damage—Coverage may extend to damage caused to someone else’s property by your business operations or products. It may include repair or replacement costs.

• Personal and advertising injury—This insurance may financially protect against claims of libel, slander, copyright infringement and other forms of advertising injury.

• Legal defense costs—General liability insurance may assist with covering the cost of defending your business in court, even if the claims are groundless.

Why Do I Need General Liability Insurance for My Business?

General liability insurance is crucial for businesses of all sizes and industries. It can help protect your assets and ensure that a single accident or lawsuit doesn’t jeopardize your business’s financial stability. Whether you run a storefront, provide professional services or operate online, this coverage can mitigate risks and provide peace of mind.

Contact Us

Contact Jean Deese Agency in Cullman, Alabama, for a personalized general liability insurance quote.