General Liability Insurance

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When you have the general liability insurance you need, it’s easy to keep your business protected.

What is general liability insurance?

General liability insurance, sometimes referred to as commercial liability insurance, protects businesses from financial loss should they be liable for property damage, personal injury, or advertising injury caused by their services, business operations, or employees.

Why do you need it?

From a sole proprietor to a large enterprise, a commercial general liability policy safeguards you, and allows you to continue normal operations if fraudulent claims of negligence or wrongdoing arise. A general liability policy also covers the cost to defend and settle claims.

What is covered with general liability insurance:

Additional insured

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Coverage is provided for individuals or groups you work with through written contracts, agreements, and permits.

Personal and advertising injury

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Protects against offences made by you or your employees during the course of business, such as libel, slander, disparagement, or copyright infringement in advertisements.

Defence costs

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Covers legal expenses for liability claims brought against your business, regardless of who is at fault.

Medical Expenses

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Provides financial compensation for medical bills that arise from injuries or accidents that occur during the course of business operations.

Premises Liability

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Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.

Products Liability

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Provides coverage for bodily injury and property damage sustained by others as a result of your products.

Other coverage options may also be included and are not limited to what has been indicated.

Frequently Asked Questions

How much coverage does my business need?

The amount of coverage that your business needs depends on three factors: perceived risk, where you operate your business, and the type of products you manufacture.

What is perceived risk?

To determine perceived risk, we consider the amount of risk associated with your business operations and functions. For instance, if you manufacture heavy machinery, you would generally need more coverage than another organization that manufactures stuffed animals.

Can I change my perceived risk?

Yes. There are many things a business can do to proactively reduce risk. You can also talk to your Butler Byers risk consultant to develop a Risk Reduction Plan

How does my location affect my policy?

If you operate in a province or area that has a reputation for rewarding high damages, you may wish to purchase higher liability limits. Your Butler Byers Risk Consultant will explore the implications of your location.

Is this all the insurance my business needs?

Not in most cases, and this is where most people get overwhelmed. This is why your Butler Byers risk consultant works hard to provide a full risk assessment and build a comprehensive insurance package specific to your business.

The Butler Byers team works for you. We learn about your business, help you reduce risk, and work on your behalf to negotiate the best insurance options. Just another way we make insurance easy.