Essential Coverage for Everyday Business Risks
Your Foundation for Business Protection
General Liability (GL) insurance is essential for protecting your business against third-party claims, particularly those related to Property Damage or Bodily Injury. In addition to these core protections, GL policies cover claims arising from Product Liability, safeguarding you against risks associated with your products, and Advertising Liability, which protects you if your business activities inadvertently harm another brand or individual.
Knowing What General Liability Doesn’t Cover
While GL insurance offers broad coverage, it’s important to understand its exclusions. Most policies specifically exclude employment-related claims and professional liability claims, as these are better handled by separate policies tailored to those risks. Having the right coverage for each area ensures comprehensive protection without leaving critical gaps.
This type of insurance is also know as General Liability (GL) and protects you and your business from third party claims stemming mainly from Property Damage or Bodily Injuries. The GL policy also provides protection for Products Liability claims and for Advertising Liability claims. Most of these policies have specific exclusions for employment related claims or for professional liability claims, as both of these areas are better covered under other types of insurance policies.
Claim Examples
A potential customer comes to your location for a meeting. While walking to your conference room, they trip over your worn-out carpet with loose threads, and in the process, fall hitting their head against a filing cabinet. A $5,000 Medical Expense limit is available for the person’s medical expenses, but, if necessary, the other parts of the General Liability policy could respond if the injuries become more severe.
Your marketing brochures are released disparaging or slandering another business in the area. The other company suffers reputation loss and consequently reduction in clients. They find out this was a direct result of your printed documents, and the company decides to file a suit against your business.
Coverage Features
- Claims Made or Occurrence coverage available
- Low Deductible or No Deductible options available
- Additional Insured and Waiver of Subrogation language available
- Flexible Policy Limits
- And much more!
As a PA healthcare business owner, a single mistake or accident can put your business at risk if you don’t have comprehensive general liability insurance coverage.
There are many reasons why your business would be forced to defend itself from third-party claimants who hold your business responsible for property damage or bodily injuries. A car accident, damage to the patient’s home, a trip, fall, or stumble, or even an accusation of maltreatment are just some of the many possible litigations your home healthcare or medical company could be exposed to. That’s why our general liability insurance in New Jersey and Pennsylvania is so highly valued by healthcare businesses.
MPL Risk brings decades of combined insurance brokerage experience across ten states, in-depth relationships with national insurance carriers, and a wealth of knowledge and expertise concerning medical claim insurance. This makes our insurance agency perfectly positioned to negotiate the best possible general liability insurance coverage for your home healthcare business or other medical practice. Our agency will provide you with the most affordable and comprehensive general liability insurance coverage.
General liability insurance provides much-needed protection against property damage or bodily injury claims. The healthcare general liability insurance coverage we negotiate for our PA customers protects them against a variety of risks.
General liability insurance also provides safety against product and advertising liability claims. Our staff works tirelessly to ensure your general liability insurance meets your business’s most pressing needs, whether you offer home healthcare or services from a medical facility.
Whether it’s flexible policy limits, needing a low deductive, or wanting no deductible, our dedicated insurance experts will ensure your coverage suits every aspect of your business’s needs.
Much like our workers’ compensation insurance in Maryland services, our general liability insurance process is detailed, thorough, and comprehensive. A member of our insurance staff will sit down with you to get the essential information on your business. This includes defining the number of caregivers you employ, your healthcare business’s yearly revenue, how your business provides care, how long you’ve been in business, your business’s official address, and any documentation attesting to ownership.
The next step is to define the inherent risks your PA home healthcare or other medical business faces. This portion can be quite elaborate and detailed, but our expertise as insurance brokers makes us ideally suited to work out affordable general liability insurance coverage for your business.
Throughout this process, we’ll review any of your existing insurance policies to ensure there are no gaps in your coverage. Our agency will balance higher limits against a higher premium, provide you with some tips on discounts, and ensure your business has the coverage you need at a rate you can afford.
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Our insurance agency serves clients in Pennsylvania, New Jersey, Delaware, Maryland, Virginia, North Carolina and surrounding states. We pride ourselves on understanding your industry and providing simple solutions for your insurance program.
Contact us today and find out how we can help reduce your cost, enhance your coverage, or improve your peace of mind!
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