Protecting Third-Parties From Injuries & Accidents In Your Business Operation
General liability for business coverage is a type of insurance that protects the company from any accidents or other problems. For example, if someone gets hurt on your property, you want to make sure that person can’t sue you. This kind of insurance also makes sure you are compensated if a customer’s property is damaged by something your company did wrong.
Extended coverages add more protection to your commercial business insurance policy. The most common of these is equipment breakdown, which will pay for repairs or replacement on large machines and vehicles such as forklifts or tractors if they break down unexpectedly.
What Does General Liability Cover?
General liability insurance covers bodily injury and property damage to third party personnel. This can include an employee leaving a chair out in the hall and a client tripping over the chair injuring their arm. This coverage does not apply to employees, coverage for employees would be covered under workers’ compensation insurance.
- Bodily Injury
- Property Damage
- Completed Operations
- Personal & Advertising Injury
- Medical Payments
- Damage To Premises Rented To You
General liability is not a substitute for commercial auto liability, physical damage, cargo insurance, or any other type of coverage that has to pertain directly with your truck. General liability can protect you in the event of an accident around your truck or on the premises of your business.
Pricing Factors
- Exposure – Your operation has different levels of risk and will impact the cost for general liability insurance.
- Location – Different states have different rates and requirements.
- Number Of Employees – Businesses with more employees are generally exposed to more risk due to the amount of activity. Businesses with no employees are exposed to much less risk, decreasing the cost of premium.
Don’t Wait – Get Started On A Quote Today!
If you have any questions about how our commercial auto insurance coverage for truck drivers can work to protect your business, feel free to contact us anytime. We’re happy to answer all of your queries and help you determine the best type of policy for your needs. For a no-cost consultation with one of our experienced licensed agents today, please call 308-430-1953 or get a quote online through our all-in-one quote form.