General Liability Insurance
We provide general liability insurance solutions to businesses in upstate New York and throughout Pennsylvania
What is general liability insurance?
Certain risks can befall a business in almost any industry. Whether it’s a slip-and-fall accident, slander lawsuit, or false advertising claim, general liability insurance may protect businesses against a variety of these common risks.
General liability insurance can be an important defense against common risks that most businesses face. Policies may pay legal fees and settlements if another party is hurt, or in other situations too.
What businesses need to carry general liability insurance coverage?
The vast majority of businesses ought to have general liability. This insurance isn’t limited to only certain industries, or businesses of a certain size. Almost all businesses are exposed to common risks they should protect against.
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What protections should businesses look for when getting general liability insurance coverage?
General liability policies are usually made up of specifically detailed protections that more precisely detail what the policy covers. Some protections that businesses might want to look for are:
- Bodily Injury Coverage: Might cover slip-and-fall accidents, and other basic accidents, leading to third-party injuries. This could apply both at a business’s location and in other places.
- Premises Liability Coverage: Might cover slip-and-fall accidents, and other basic accidents, leading to third-party injuries. This is often limited to only accidents occurring at a business’s location.
- Property Damage Coverage: Might cover basic accidents resulting in damage to third-party property. This could be limited to only accidents at a business’s location, or it could also cover accidents occurring elsewhere.
- Personal and Advertising Injury Coverage: Might cover claims related to injurious advertising, and cases of libel or slander.
An insurance agent specializing in general liability will be familiar with these protections, and also other nuances of general liability policies.
Are car accidents covered by general liability?
Car accidents normally aren’t covered by general liability policies. The accidents that general liability protects against tend to be simple trips, slips and falls — and not auto accidents.
For car accident coverage, businesses usually need some form of commercial auto insurance. General liability and commercial auto can usually be bundled together.
How can businesses obtain a certificate of insurance?
Sometimes businesses are asked to provide a certificate of insurance (COI), in order to show that they have certain insurance in place. A COI can be requested for a wide variety of coverages, but general liability is one of the most often checked coverages.
So long as general liability insurance coverage is in place, businesses should be able to get a COI through their insurance agent. The process is quick and simple, with many insurance companies providing digital copies the same day. A hard copy might take a few days to receive. Additionally, there’s frequently no cost for this.
Are businesses legally required to get general liability insurance coverage?
Many businesses aren’t required by law to carry general liability insurance coverage. Some may be required by the terms of a lease or contract to have the coverage, but it’s usually not legally required outside of a few select industries that are highly regulated.
Regardless of any requirement, however, general liability is highly recommended in many different situations. Most businesses should have it even if they aren’t legally required to.
What are “additional insureds” on a general liability policy?
Sometimes individuals or other businesses are listed as “additional insureds” on a general liability policy. These are normally people who can file a claim against the policy, despite them not being the policyholder.
Some contracts require that the other party gets listed as an additional insured. When there’s such a requirement, a knowledgeable insurance agent can make sure that the other party gets properly listed on a general liability policy.
Where can businesses find general liability insurance?
For help purchasing general liability insurance in upstate New York or Pennsylvania, contact the independent insurance agents at Tri-Town Insurance. Our agents will ensure you find a general liability policy that will protect your business well.
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Corporate Office
Afton: 607-639-2255
Bainbridge: 607-967-2241
Elmira Heights: 607-734-1633
Endicott: 607-785-1300
Nichols: 607-699-3081
Owego: 607-687-1381
Waverly: 607-565-2808
Whitney Point: 607-692-3350
FAX: 607-687-5338
Corporate Address
192 Front St.
PO Box 417
Owego, NY 13827
Hours
Mon-Fri: 9am – 4:30pm
Evenings & Weekends by appointment
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