This article will tell you what kind of lawsuits can a general liability help you.
Let’s say you own a small restaurant. You have a customer who slipped on a wet floor and got injured. You are responsible for the customer’s medical expenses. Depending on the gravity of the injury, you could be sued, as a business owner, to pay for the customer’s expenses such as:
- Medical bills
- Lost wages while they are recovering and cannot go to work
- Rehabilitation/physical therapy cost
These particular lawsuits can get expensive which is the reason why it is imperative for a small business to carry general liability insurance. This type of insurance can also pay for legal expenses that are related to third-party injuries.
If your business falls under any branch of commerce, such as selling, manufacturing or distributing, you will be held responsible if the product came from your business caused any harm to consumers. Let’s say that your business sells food product, and it caused food poisoning or allergic reaction, the consumer can sue you over related damages and medical expenses. It is the same for a business that sold faulty furniture that injured a customer; the business owner can be sued for such incidents.
Product liability insurance, which is usually included in general liability policies, covers lawsuits that are related to defective product claims. It also pays for the customer’s medical bills, attorney fees, and settlements opposed to business.
Damages to the Landlord’s Properties
If your business is renting out a place and you or one of your employees caused an accident that heavily damages the property, your landlord can sue you for these damages. The expenses can get high depending on the damage your business has made.
General liability policy has coverage for damage to rented premises that can pay for the damages your business has caused to the landlord’s properties. However, this coverage does not pay for any damage that is not your fault, such as a lightning strike that burned your office down, which is considered as an act of God, and you can’t be legally liable for the incident.
At Brad Spurgeon Insurance Agency Inc., we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (409) 945-4746 or Click Here to request a free quote.