General Liability

What is it?

General Liability Insurance provides coverage for injuries, property damage and lawsuits, helps to pay for medical expenses as well as legal costs if an incident leads to a lawsuit.


"General Libility" provee cobertura por lesiones, daños a la propiedad y demandas, ayuda con gastos médicos así como los costos si el incidente conduce a alguna demanda.

General Liability can help pay lawsuit for:

  • Third-party injuries (Bodily and deaths). 
  • Third-party property damage.
  • Products Liability
  • Advertising injuries

Examples:

  • Property Damage lawsuit.  A contractor is installing a new kitchen. Unfortunately, one of his co-workers forgets to shut off the water and floods the kitchen. The water seeps into the floors and the walls of the finished basement. The homeowner sues them for $200,000 in damages to their house.  
  • Slip-and-fall accident. A restaurant is sued when a produce deliveryman slips on the wet floor of the freshly mopped kitchen. Tomatoes go flying everywhere, but the real damage is done to the deliveryman's shinbone, which he breaks smashing it into a table. He sues the restaurant for $100,000 in medical costs, lost wages, and other expenses.
  •  Customer injury lawsuit. A photographer is shooting senior photos for a client. As the family walks into the studio, the mother trips over the cord for the flash and falls to the ground, breaking her collar bone. The family sues the photographer for $75,000 in medical damages.
  • Product liability lawsuit. A sporting goods distributor is sued for $500,000 when a jungle gym they sold breaks and injures a customer's child.

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