Where you can have specific policies that address specific issues with your business in Queens, Middle Village, Howard Beach, Ridgewood, Breezy Point, Forest Hills, and the surrounding areas, general liability insurance covers a large area of your business. Our team at Hughes Associates can walk you through the various scenarios that general liability insurance will cover, and we can also shop the market to find you the best coverage for the right price. Make sure that your business is fully covered by getting your general liability insurance policy with Hughes Associates.
What Does General Liability Insurance Cover?
Basically speaking, your general liability insurance will address costly claims that can come up with normal business operations. Third-party bodily injury, for example, if a customer slips and falls in your store would be covered with the bodily injury liability coverage. Third-party property damage can include work done at a client’s home where the damage occurred and is covered under the property damage liability coverage.
In some cases, you could be sued for reputational harm for libel or slander. General liability coverage will help to cover the legal fees associated with defending your business. When you market your business and you are sued for copyright infringement, this again can help provide funds to defend your business.
While this general liability insurance does cover a lot of areas, it is still limited and there are other insurance policies that will cover these other areas that aren’t addressed by your general liability insurance. Liability claims really are not uncommon and they can get expensive fast. This is where many businesses wouldn’t be able to handle a liability claim without general liability insurance.
Liability Issues Are Costly
Imagine someone falls inside your small store that you just opened a month ago. They end up injuring themselves where they need many thousands of dollars of medical expenses. Do you have the money to pay that yourself? Odds are you do not. Or you might be doing some yard work at a customer’s home and you end up hitting something and breaking an important piece on their property. This could cost you thousands unless you have general liability insurance to cover that cost. Just one or two of these situations could cause your business to fold without insurance, which is why it is so important to protect your business in Queens, Middle Village, Howard Beach, Ridgewood, Breezy Point, Forest Hills, and the surrounding areas. Don’t take any chances, call us at Hughes Associates and sit down with our team to learn how you can protect your business with general liability insurance.