Protect your business from financially impactful claims
What is general liability insurance?
General liability insurance protects your business in the event someone makes a claim against it for bodily injury or property damage. On a daily basis, your company touches the lives of many people, including contractors, clients, customers and the general public. And at any given point, one or several of these people could claim that your business has caused them bodily injury or property damage and bring a lawsuit against it. Such a claim may expose your business to the costs of defending itself as well as the damages associated with it. Having a general liability policy in place can mean the difference between keeping the doors open or going out of business when you face unforeseen circ*mstances.
Typically, general liability policies provide:
- Premises liability coverage, which offers protection against the costs of injuries on your business property.
- Products liability coverage, which offers protection against the costs of damage to property and injury to people caused by your products or services.
- Personal and advertising injury liability coverage, which offers protection against the costs of injury caused by certain offenses arising out of your business, including slander, libel, wrongful eviction, copyright infringement in your advertisem*nt and more.
What does commercial general liability insurance cover?
Travelers commercial general liability insurance covers a variety of claims for damages that can result from:
Injuries that happen on your property, such as those from slips or falls.
Bodily injury or property damage to a third party caused by your work, products or your employees' activities.
Liability of others assumed in specifically defined contracts.
Libel, slander or business disparagement.
Copyright infringement in your advertisem*nt.
What is general liability insurance?
Who is commercial general liability insurance right for?
If it's possible that someone could claim bodily injury or property damage due to your business operations, your employees' actions or your services or products, you should have general liability insurance. Travelers offers options that protect against the unique risks of businesses in a wide range of industries.
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Travelers business owners policy (BOP) for small businesses
The broad protection of a Travelers business owner's policy (BOP) includes:
Commercial general liability
Commercial property insurance
Helps protect the business property you own, lease or rent, including assets like your buildings, equipment, furniture, fixtures and inventory.
Business income and extra expenses (BIEE)
Provides coverage when your business shuts down temporarily due to a fire or other covered loss. It helps replace your income and covered expenses like rent, payroll and other financial responsibilities while your property is being repaired or replaced.
Who is Travelers BOP right for?
Travelers BOP is built to protect many types of small businesses. This includes:
Commercial real estate
Contractors
Financial services
Garages
Healthcare
Manufacturers
Personal care services
Pet care services
Printers and publishers
Religious and cultural organizations
Restaurant and food service
Retail
Service businesses
Technology services
Wholesalers and distributors
Commercial general liability insurance FAQs
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Workers Compensation for Small Businesses
Provide benefits to your employees and protect your business when a work-related injury occurs.
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Required of contractors who perform work on or around railroad tracks, railroad right-of-way or owned railroad property.
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Xtend Endorsem*nts provide broadened liability coverage for auto dealers, architects and engineers, colleges and schools, technology, healthcare and service industry providers.
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