General Liability Insurance in Lancaster, OH 

General liability insurance is often the first line of defense a business adds to its coverage arsenal. If someone is accidentally injured on your premises or your operations cause damage to others, this policy may cover legal defense and damages up to the policy limits.

Why is General Liability Insurance Important?

Every business is at risk of liability claims. Without general liability insurance, the financial impact of legal fees, settlements or judgments could be significant enough to disrupt operations. This policy is a practical way to handle common risks so you can focus on running and growing your business.

What Does My Policy Cover?

Standard general liability policies often include coverage for the following:

• Third-party bodily injury coverage may cover others’ medical bills and your legal fees if your business is at fault for their injuries.

• Third-party property damage coverage may cover claims if your business is sued after causing property damage to others.

• Personal and advertising injury coverages may help prevent financial loss if your business is sued for libel, slander, copyright infringement or wrongful eviction, among other claims.

Keep in mind that general liability insurance does not cover everything. It excludes employee injuries, which are handled by workers’ compensation, and damage to your business property. Professional mistakes, auto accidents involving company vehicles and intentional acts are also not covered. Businesses usually need separate policies or additional coverage for these types of risks.

How Much Does General Liability Insurance Cost?

Rates of general liability policies depend on many factors, including your business type, workforce size and risk profile. Insurers may also consider your claims history, deductibles and chosen coverage limits.

Contact Us

Explore your options with Gary A Gibson Ins Agency, LLC to find a suitable general liability policy. Our agents can review your operations and recommend appropriate coverage. Contact us today to get started.