General Liability Insurance

General Liability is the most common type of coverage for business insurance. Every insurance company is unique and has there own specialty when it comes to types of business they cover. So finding the right match for your business is important. After all, a bakery is different from a plumber. As an independent insurance agency we'll check quotes with multiple companies to help you find the right right policy at the right price.

Read about a few of the key parts of General Liability coverage below:

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 Bodily Injury

  • Can help cover damages due to bodily injury, sickness or disease, including resulting death, that you're found legally liable for, such as a slip and fall in your lobby

Property Damage

  • Can cover physical injury to tangible property, and loss of use to tangible property, for which you're found legally liable. Example: you accidentally break a large window while while painting an apartment, plus revenue is lost since it can't be rented while repairs are being made.

​​Personal & Advertising Injury

  • Can provide coverage for unintended injury due to acts such as libel/slander, false imprisonment, invasion of privacy, wrongful eviction, copyright infringement, malicious prosecution and more that you are found legally liable for. Note: this does not cover Media Liability for businesses involved in advertising activities.

Medical Payments

  • Can pay for medical expenses due to bodily injury regardless of fault, usually at a lower sub-limit

A few popular endorsements include:

  • Non-owned & Hired Auto coverage can cover vehicles not owned by the business but being used for business purposes, such as an employee running an errand in a personal vehicle.

  • Cyber Liability can be added to cover things like data breach notification and management, cyber extortion and other potential cyber risks. Depending on exact coverage cyber liability may also relate to Professional Liability/Errors & Omissions. 

  • Liquor Liability can provide bodily injury and property damage coverage to those in the business of selling, serving, or manufacturing alcoholic beverages.

  • Employment Practices Liability can provide coverage for employment practice related claims, such as allegations of discrimination or wrongful termination.

We also recommend  also considering commercial umbrella coverage for when the underlying liability limits in a Commercial General Liability  policy aren't enough to cover a large claim. Click below to learn more:

       Commercial Umbrella Insurance

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Location

6003 Veterans Parkway

Suite 216

Columbus, GA 31909

 

Tel: 706-660-5969

Fax: 706-660-5979

Hours

Monday - Friday 

9:00 AM - 5:00 PM

 

Saturday & After Hours

By Appointment

Chastain & Welch Agency LLC - Columbus Georgia

Note that all coverage summaries are generic, based on general industry standards, and informational only. They in no way create, extend, reduce, or otherwise modify coverage provided by any insurance policy. Please refer to your policy documents and any endorsements to determine coverage limits, conditions, exclusions and any other applicable provisions.

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