General Liability Insurance

Business general liability insurance coverage is something every business (even if home based) must have, so it is important to understand what it does and doesn’t cover. Below is a helpful guideline to go by when considering the needs for your insurance.

What does business general liability insurance cover?

General Liability Insurance protects you, your business and your employees from:

• Claims involving bodily injury or property damage, up to the limits of your policy.
• Expense of out-of-court settlements, litigation and judgments awarded by courts.
• Claims that may occur from bodily injury or property damages resulting from accidents on your premises or from your products, your operations, or advertising for your business.
• Advertising “injury” in the event your company’s marketing violates someone’s copyright.

What does business general liability insurance not cover?

General Liability Insurance does not cover items including:

• Employee injuries
• Professional mistakes
• Auto accidents
• Punitive damages resulting from a lawsuit
• Damages or injuries resulting from intentional acts

Why Kinney Pike?

Since 1904, Kinney Pike has been helping businesses with risk and coverage expertise throughout Northern New England.  Our locally-based professionals take the time to know our clients, our State, and are able to navigate and advocate on their behalf.  We ensure every business has the appropriate amount of coverage for their needs, with access to dozens of different providers.  Our growth in the Northeast and in the industry has helped us to become a better partner providing better coverage.