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General Liability Insurance

General Liability Insurance Explained

Businesses are sued every day for injuries that allegedly occurred on their property. If you are a business owner, you can be exposed to this kind of liability. A liability lawsuit can cost you thousands of dollars to defend and settle. To protect yourself and your business, you need to get general liability insurance.

 

How Does It Work?

A general liability policy is the most common type of business insurance. It provides you with a financial safety net if your business is sued over injuries that occur in your business. Also, other companies may require you to have general liability insurance before you can do business with these companies.

A general liability policy provides coverage for your business in several areas:

• Bodily or personal injuries that occur on business property
• Property damage caused by business operations or products
• Damages caused by libel, slander, or a Copywrite violation

Any reasonable legal expenses, such as the attorney’s fees, court fees, and financial business losses while you are defending your case are covered. Settlements, judgments, and the plaintiff’s medical expenses are also covered by a general liability policy.

A general liability policy does not provide comprehensive coverage. It does not cover any of your personal property that you use for your business, injuries to clients at your place of business due to your negligence, injuries to your employees, or any professional services provided to your client. You will have to supplement your general liability policy with another liability insurance policy to cover these other areas.

Major Benefits

Small businesses across many industries need general liability insurance because there is a high risk of bodily injury or property damage. If you own a business in the construction industry or have a business that frequently uses heavy equipment, then you are a good candidate for this type of insurance. Every business is unique, so talk to your insurance broker to figure out the right amount of coverage for your needs.

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The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
I absolutely love this insurance company! They always call when there's a better deal available to save me money! This company keeps in touch and cares about their customers and even remembers my birthday and sends a birthday card! If there's a problem with the account they're quick to investigate. They always have a solution! Thank you A Young I love all of you! Even though the pandemic has been hard on my family you always know how to make me smile! GOD BLESS YOU ALL!
Lillie Collins
Lillie Collins
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
I just love Shannon, she's the best!! She works so hard to get the best rate for me.I would highly recommend this company.
Barb Genta
Barb Genta
Got me what I needed, when I needed it and at the price I needed.
Dale Hartzfeld
Dale Hartzfeld
Nice friendly local place for insurance
Kathleen Hoadley
Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Everything we buy in life has three parts to it.Service, price and quality. Normally, one can only expect two out of three. Very rarely do you ever get the total package. A Young Insurance is an insurance company~ that has excellent service , excellent quality and excellent prices! 10 🌠
Tracy Richardson
Tracy Richardson
Very friendly staff ,on top of the great deal. This company cares about there customers .
martin mccloud
martin mccloud
They are the best Agency ever
Etoy Nichols
Etoy Nichols

1400 Scott Lake Road, Suite AA
Waterford, MI 48328