General Liability Insurance in Savannah, GA

Our team at R.M. Bush & Company Inc offers general liability insurance coverage to help your business manage the financial impact of unexpected incidents or legal actions involving other parties.

What Does General Liability Insurance Cover?

Typical general liability insurance policies may include coverage for:

• Third-party bodily injuries—Your policy can help cover medical expenses and legal costs if a customer or visitor is injured on your premises.
• Legal defense costs—Your insurance may extend aid for legal fees and settlements, even if a claim is unfounded.
• Third-party personal and advertising injuries—Your coverage  may apply to claims of libel, slander or copyright infringement related to your business’s advertising or communications.
• Third-party property damage—General liability insurance can help pay for repairs or replacement if your business activities accidentally damage someone else’s property.

However, standard policies may exclude some situations and claims, including:

• Professional errors or negligence: Claims arising from alleged issues with your business’s professional advice or services typically require separate coverage.
• Damage to your own property: Loss or damage to your property is not included.
• Contractual liability: Some contract-related liabilities may not be included unless added to your policy.
• Pollution or environmental claims: Pollution-related claims may be excluded unless specifically endorsed.
• Product recall costs: The expenses associated with product recalls are generally not covered.

How Much Does It Cost?

Insurance costs can vary based on several factors, including your industry, business location, number of employees, nature of your operations, claims history and specific policy details, such as coverage limits and deductibles.

Am I Required to Get This Policy?

Although not always required by law, general liability insurance is important for most businesses, regardless of size or industry. In Georgia, many landlords, clients and vendors may require proof of this coverage before agreeing to work with you.

Get Started Today

Contact R.M. Bush & Company Inc to learn more and get a free quote.