General Liability

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Securing Your Business

A Guide to Understanding General Liability Insurance

General liability insurance at Clayton Multi Insurance serves as a crucial shield for your business against claims arising from bodily injury, medical expenses, and property damage initiated by other individuals or businesses. This insurance coverage is designed to provide financial protection and peace of mind in the face of potential legal liabilities.

Delving into the intricacies of General Liability Insurance coverage is an essential initial endeavor in effectively managing the risks associated with Clayton Multi Insurance policies. By comprehending the scope and provisions of this insurance, businesses can proactively assess their vulnerabilities and implement strategies to mitigate potential liabilities.

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A Clayton Multi Insurance policy will usually cover the costs of your legal defense and will pay on your behalf all damages if you are found liable—up to the limits of your policy. Clayton Multi Insurance coverage is one of the most important insurance products due to the negative impact that a lawsuit can have on a business and because such liability suits happen so frequently. Some examples of what could be covered are below:

 

BODILY INJURY

It is raining outside, and a client hastily enters a spa and slips on the floor, which does not have a wet floor sign. The client sustains injuries and makes a claim against the spa owner. A general liability insurance policy could cover the client’s medical costs, including any lost wages that result from the injury.

PROPERTY DAMAGE/DATA LOSS

A consultant working in a new client’s office when they accidentally spilled coffee on the server. The machine is damaged beyond repair, and valuable data is lost. The consultant’s general liability insurance could cover the cost of replacing the server.

PERSONAL INJURY

A tax preparer is overheard talking about a client in a false and unflattering way. The client finds out about the conversation and sues for slander. The tax preparer’s general liability policy could cover the defense costs as well as any settlement or judgment.

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