Some Common Types of Coverage Provided by Most Business Liability Insurance Policies

Advertising Injury – This type of protection covers the costs of damages arising from the dissemination of written or oral advertisements that defame, slander, or belittle an organization or individual, along with any products, goods or services they provide.

Fire Legal Liability – This aspect of business liability insurance offers coverage for any properties rented to you that are damaged by fire because of your negligence. If the properties were not rented to you, then the occurrence limit of your policy will provide for recovery.

Medical Expense – This section covers payment of medical expenses due to bodily injury as a result of an accident on property rented or owned by you when such injury or accident is caused by the business’ operation.

General Liability – This type of business liability insurance, also known as Commercial General Liability (CGL), is most common among businesses. It protects your business from property damage, injury claims, and advertising claims. In some cases, this type of insurance alone will provide sufficient coverage for a company.

There are a number of other types of coverage provided by business liability insurance policies, which include Personal Injury, Premises and Operations, as well as Products and Completed Operations.

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