General Liability Insurance
General Liability Insurance Information
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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!
Common General Liability Insurance Questions
When Do I Need General Liability Insurance?
Essentially every business needs general liability insurance by the time they’re ready to open their doors. If you offer a product or service, you will need this insurance to protect your employees and your business.
How Much Does General Liability Insurance Cost?
The cost of general liability insurance varies depending on your location, coverage limits, claims history, deductibles and more. Fill out an to find out how much you can save on general liability insurance today!
How Much General Liability Insurance Coverage Do I Need?
Every business may need different limits of general liability insurance. We will help you evaluate your business’ risk and insure your assets with the right amount of coverage.
Jean Deese Insurance can help you find the general liability insurance to fit your needs. With our convenient office in Cullman, we provide customized coverage for businesses in Vinemont, Good Hope, Hanceville, Decatur, and Arab. Contact us today to learn more!
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