General Liability Quote Form

General Liability

What does general liability cover?

Coverage A: Bodily Injury and Property Damage Liability

Bodily injury and property damage coverage provides protection against losses from the legal liability of insureds for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations. Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm.

Workers compensation and employment practices liability insurance are excluded but can be purchased as separate policies. In addition, pollution liability is excluded and can be purchased as an endorsement. However, this coverage is very limited, and high-risk businesses should consider purchasing a separate pollution liability policy. Liquor liability, professional liability and other risks may also be excluded. An insurance professional can help you to determine endorsements that are right for your type of business.

What does general liability cover?

Coverage B: Personal and Advertising Injury

Personal and advertising injury liability protects an insured against liability arising out of certain offenses, such as:

Libel
Slander
False arrest
Infringing on another’s copyright
Malicious prosecution
Use of another’s advertising idea
Wrongful eviction, entry or invasion of privacy

What does general liability cover?

Coverage C: Medical Payments

Limited coverage for medical payments includes payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations. Medical payments coverage can be triggered without legal action. This provides for prompt settlement of smaller medical claims without litigation. It is included in the CGL policy and pays for all necessary and reasonable medical, surgical, ambulance, hospital, professional nursing and funeral expenses for a person injured or killed in an accident taking place at the insured’s premises or arising from business operations. There is no defense or legal liability coverage—as there is with bodily injury and property damage (Coverage A) and personal and advertising liability (Coverage B) —since coverage is provided on a no-fault basis.

Why buy general liability insurance?

You can purchase commercial general liability insurance as a stand-alone policy, as part of a Business Owners Policy (BOP) or as part of a Commercial Package Policy (CPP). Consult with your insurance professional about what type of coverage you need and how much. If your general liability policy, BOP or CPP do not provide sufficient coverage, you may want to consider purchasing a commercial excess (umbrella) policy, which will provide additional protection.

Additional liability coverages to consider:

Directors and Officers liability

Liquor liability

Pollution liability

If you are interested in receiving a quote please fill out the form below and we will reach out shortly

General Liability Quote Form

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’ operations, products, or injury that occurs on the business’ premises.

Please fill out the form below and we’ll have an agent reach out to you as soon as possible. Thanks

Company Name

Street

City

State

ZIP/Postal Code

Primary Phone Number

Alternate Phone Number

Company Owner First Name

Company Owner Last Name

Nature of Business

Number of Owners

Gross Annual Sales

Number of Employees

Annual Employee Payroll

Number of Subcontractors

Annual Cost of Subcontractors

Square Footage of Location

Prior Insurance

Length of Coverage (Months & Years)

Number of Insureds Needed

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The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice

– it is intended for educational and/or informational purposes only.

Kelly Assurance not only protects your company from major risks, we also take steps to potentially reduce and eliminate losses before they occur.

We aim to migrate your risks through proactive education, strategy calls, and loss control programs.

Once you become a client at Kelly Assurance, you’ll have the on support of a dedicated Kelly Assurance service team staffed with licensed professionals who know your business.