General Liability Insurance

General Liability Insurance Information

Commercial General Liability is essential to every business, large or small. It protects the assets of the business from acts of negligence which result in bodily injury or property damage to a third party. This includes products liability for those businesses that manufacture or distribute tangible products as well as construction defect for those businesses in the construction industry. Our professionals at The Clements Agency consult with our clients to identify the exposures to loss in your unique business. We then structure the property coverage to protect your business against those risks.

There is a Broad Range of General Liability Protections

  • Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
  • Property Damage coverage for the physical damage to property of others or the loss of use of that property
  • Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
  • Products Liability is a more specialized product liability that protects your company against lawsuits from product-related injury or accident
  • Contractual Liability extends to any liability you may assume by entering into a variety of contracts
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion; Water Damage Liability Protection; Legal Defense Costs; Medical Payments: Personal Injury; Advertising Injury; and Specialized Liability for specific business types


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