Home » Commercial General Liability Insurance in Phoenix, AZ

Commercial General Liability Insurance in Phoenix, AZ

Nearly every business can benefit from general liability insurance coverage. Also known as business liability insurance, this insurance can help pay for financial losses arising from allegations that your business caused third-party property damage or bodily injury. Contact Ayala Insurance in Phoenix, Arizona, to learn more about general liability coverage.

What Is General Liability Insurance?

General liability insurance is a type of business insurance that can help pay for costs associated with third-party harm your business is held legally responsible for. It’s an essential part of managing common business risks and can help protect your company’s assets if you’re sued because of damage caused by your business services, operations or employees.

Who Needs General Liability Insurance?

You should buy general liability insurance if you work closely with customers or clients, use social media or create marketing and advertising materials for your business. Even home-based businesses can benefit from general liability insurance.

Although general liability insurance isn’t typically mandatory by law, it may be required by specific clients or landlords. Certain industries may need coverage for licensing requirements. Contact Ayala Insurance to learn if your business needs general liability insurance.

What Does General Liability Insurance Cover?

Without general liability insurance, your business is vulnerable to costly out-of-pocket expenses that could arise from work-related incidents or accidents. Buying a general liability insurance policy will typically provide the following coverages:

  • Property damage liability can help pay for costs arising from claims that your business caused property damage to third parties.
  • Bodily injury liability coverage can help cover expenses (e.g., settlements and defense costs) if your business is liable for third-party bodily injury.
  • Medical payments coverage (MedPay) can help pay for medical bills if a third party is physically injured, regardless of fault. Typically, employee injuries won’t be covered.
  • Personal and advertising injury liability can help pay for expenses (e.g., legal fees) if your business is accused of issuing false or misleading statements, using stolen advertising ideas or causing personal injury to third parties.

How Can I Buy General Liability Insurance?

Don’t leave your business unprotected. Contact Ayala Insurance to learn more about our general liability insurance policies and to get a tailored general liability insurance quote today.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

©2024. All rights reserved. | Powered by Zywave Websites