General Liability Insurance in Winchester, Menifee, Murrieta, Wildomar and Nearby Cities

Things To Know About General Liability Insurance 

General Liability Insurance in Winchester, Menifee, Murrieta, Wildomar and Nearby Cities

General liability insurance is a foundational coverage for businesses, designed to protect against common risks associated with day-to-day operations. Carver Insurance Services, Inc. provides general liability insurance in Winchester, Menifee, Murrieta, Wildomar, Lake Elsinore, Temecula and surrounding areas. These are key aspects to understand: 

What It Covers 

Bodily Injury and Property Damage: Protects your business if someone gets injured on your premises or if your operations cause damage to another’s property. 

Personal and Advertising Injury: Covers claims such as libel, slander, copyright infringement in advertisements, or false advertising. 

Legal Costs: Pays for legal defense and settlements, even if the claims are unfounded. 

Who Needs It 

Small and Large Businesses: Any business interacting with clients, vendors, or the public. 

Contractors and Freelancers: Often required by clients or contracts. 

Landlords and Property Owners: Protects against liability risks associated with renting or managing property. 

Policy Limits 

A policy typically includes two types of limits: 

Per Occurrence Limit: The maximum payout for a single claim. 

Aggregate Limit: The maximum payout during the policy term. 

Exclusions 

General liability insurance doesn’t cover: 

Employee injuries (covered by workers’ compensation insurance). 

Professional errors (requires professional liability insurance). 

Intentional acts or damages. 

Cost Factors 

Premiums depend on factors like: 

Business size and industry. 

Location and risk exposure. 

Coverage limits and deductible amounts. 

Importance 

Without general liability insurance, businesses face significant financial risk from lawsuits or claims. This insurance provides a safety net, helping businesses remain operational after unforeseen incidents. 

Pro Tip: Review your policy regularly to ensure coverage aligns with your business needs and complies with contractual obligations. Should you have any questions, feel free to give us a call. 

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