General Liability Insurance in Miami, FL

General liability insurance is an essential component of a robust business strategy. It may safeguard your business from potential financial ruin due to accidents, damage or injuries. A customer slipping on your store’s wet floor or a client claiming your advice led to financial loss could spell disaster for your business. Having adequate general liability insurance means your business is financially prepared to handle such incidents.

Who is Covered Under a General Liability Policy?

General liability insurance may cover a broad range of individuals and entities associated with your business, such as the following:

• Business owners or the primary policyholders

• Employees

• Contractors and subcontractors

• Clients and visitors

Why is General Liability Important?

General liability insurance is crucial for several reasons. First, it is a legal requirement in many industries. Second, this policy may cover legal fees, medical expenses and damages that can help prevent substantial financial losses. Additionally, having this type of insurance demonstrates to clients and partners that you are responsible and prepared, which can enhance your business credibility.

Overall, it allows you to focus on growing your business without constantly worrying about potential claims.

What Does General Liability Insurance Cover?

A standard general liability policy may cover claims related to bodily injury, personal injury (such as libel or slander), advertising injury and property damage resulting from your products, premises or operations. Specific coverages typically include the following:

• Personal and advertising injury may help with offenses like libel, slander, disparagement or copyright infringement in advertisements.

• Defense costs may cover legal expenses related to liability claims, regardless of fault.

• Medical expenses may cover medical costs if someone is injured on your premises or by your products.

• Premises and operations liability may cover bodily injury and property damage occurring on your premises or due to your business operations.

• Products liability may compensate for bodily injury and property damage caused by your products.

Learn More

Keep your business financially secure with general liability insurance from Delia Izquierdo Insurance Agency. Our experts are here to guide you in selecting the best coverage for your business. Don’t delay—contact us today for a free quote.