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General Liability Insurance is a foundational type of insurance that protects businesses from common claims of bodily injury, property damage, and personal injury. Often referred to as “business liability insurance,” this coverage helps protect companies from financial losses that can arise from accidents or unexpected incidents involving customers, employees, or business property. From covering medical expenses and legal fees to settlement costs, General Liability Insurance ensures that businesses can operate with confidence, knowing they're protected against potential risks.
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General Liability Insurance provides coverage for some of the most common risks businesses face, including accidental injuries or damage to other people’s property. This insurance safeguards businesses by covering the costs associated with third-party claims. It’s typically required by landlords, clients, and partners, and is essential for businesses in industries where customer interaction is frequent or work is done on client property. With this coverage, businesses can manage unexpected incidents without significant financial strain, protecting their reputation and financial health.
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There are several reasons why General Liability Insurance is a must-have for businesses of all sizes. Here are three primary benefits:
Covers accidental bodily injuries, property damage, and personal injury claims that could lead to expensive lawsuits.
Helps businesses avoid large out-of-pocket costs for legal fees, settlements, and medical expenses following a covered incident.
Many clients and landlords require businesses to carry General Liability Insurance, making it a valuable asset for business relationships.
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Navigating the world of insurance doesn't have to be complicated. At Platinum Elite Insurance Group, we simplify the process, offering tailored solutions that meet your unique needs. Whether it's auto, home, or business coverage, we provide personalized quotes to help you save. Compare options easily and choose the best fit, so you get the protection you need at a price that works for you. Take control of your coverage with Platinum Elite and start saving today!
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Contact UsGeneral Liability Insurance does not cover all potential risks; it typically excludes employee injuries, professional errors, intentional acts, and damage to the business’s own property. To cover employee-related injuries, employers often need Workers’ Compensation Insurance. For protection against professional errors, Professional Liability Insurance is recommended. Additionally, businesses should assess whether they need more specialized coverage, like Cyber Liability or Product Liability Insurance, to address unique risks. An insurance advisor can help evaluate your business’s needs to ensure adequate protection against relevant risks.
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Whether it’s securing your family’s future, protecting your assets, or ensuring peace of mind, we help you identify the coverage that aligns with what’s most important to you. We work with you to craft insurance solutions that focus on your goals, so you’re always confident that your needs are covered without unnecessary extras. Start by outlining your priorities, and let us tailor your insurance to fit.
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General Liability Insurance does not cover all potential risks; it typically excludes employee injuries, professional errors, intentional acts, and damage to the business’s own property. To cover employee-related injuries, employers often need Workers’ Compensation Insurance. For protection against professional errors, Professional Liability Insurance is recommended. Additionally, businesses should assess whether they need more specialized coverage, like Cyber Liability or Product Liability Insurance, to address unique risks. An insurance advisor can help evaluate your business’s needs to ensure adequate protection against relevant risks.
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Here’s why businesses rely on us for their General Liability Insurance needs:
We customize policies to suit the unique needs of various industries, ensuring that coverage aligns with specific business risks.
Our network of providers allows us to offer competitively priced premiums for businesses of all sizes.
We prioritize efficiency, offering fast claims handling to minimize disruption to your business after an incident.
Our policies cover everything from bodily injury to advertising injury, ensuring your business is protected on multiple fronts.
Our advisors work closely with you to assess your specific risk factors and recommend the best coverage for your business needs.
Our experienced team is available to assist with any questions, policy adjustments, or claim issues, ensuring you have support every step of the way.
When an incident occurs that results in bodily injury, property damage, or personal injury to a third party, General Liability Insurance steps in to cover the associated costs. The policyholder notifies the insurer, who then evaluates the claim and covers expenses such as medical bills, legal defense costs, and settlement payments, up to the policy limits.
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No, employee injuries are covered by Workers’ Compensation Insurance, not General Liability Insurance.
While it’s not always legally required, many clients, landlords, and business partners require General Liability coverage as a condition of doing business.
General Liability covers physical risks like bodily injury and property damage, while Professional Liability covers risks related to professional services or advice, like errors and omissions.
Yes, many insurers offer Business Owners’ Policies (BOPs) that combine General Liability with Property Insurance, providing comprehensive coverage at a reduced rate.
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Kelly is amazing! I was at the dealership buying a new car and my insurance company at the time network was completely down. We waited hours and it never came back up. I remembered I meet Kelly recently and gave her a call. Within moments we had new coverage that was cheaper but better!! Afterward, she checked in to make sure everything was great. I have referred several people to her and will continue to do the same.
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I’ve used Platinum Elite for over a year now and have never been disappointed. The owner Kelly is amazing and makes me feel as tho I’m her only client, that’s how hands on and helpful she is! Today alone she reran my options and saved me $700/year just on my homeowners!! Would highly and do highly recommend!
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