If you are a small business owner, or an employee working for a large corporation, it is important to obtain commercial general liability insurance. In the United States alone, commercial general liability insurance is the third largest type of insurance behind medical insurance and auto insurance. This type of insurance protects business owners from lawsuits when customers, employees, property, or the environment is damaged or injured as a result of your business dealings. Commercial general liability insurance provides you with a variety of coverage to protect your business.
In addition to protecting small businesses from lawsuits, it is also crucial to get this type of insurance if you are a professional. Many freelance writers, web designers, software developers, etc. work from home or out of their own homes. In order to make good money, these individuals need to be compensated for any errors or omissions in content or design. Without this insurance, they could be sued for not receiving payments for content that is faulty or that was stolen from them.
General liability insurance also covers property. It covers damage to a client's or employees' premises. Proving damage to a client's premises usually requires that there was some sort of negligence on the part of the premises owner. For example, a restaurant that does not keep clean and safe food can be sued for negligence that causes damage to a customer's food. The amount of the suit will depend on the severity of the damage and whether it was caused by the restaurant staff or by a third party.
Additionally, liability insurance typically covers any bodily injury or property damage that may occur on a client's premises. Some examples of bodily injuries and property damage include slips, trips, falls, head injuries, or pet bites. Each state has different requirements for what constitutes a bodily injury or property damage. For example, a person must have been "at fault" for a fatal accident to receive monetary compensation. Each state also has its own separate set of guidelines when it comes to determining who is at fault for property damage. In most cases, the injured party must prove that they sustained an injury and that the other party's failure to act caused that injury.