General Liability

General liability or business liability protects you and your business from claims involving bodily injuries and property damage. It is the most common policy written as most businesses have a need for general liability insurance.

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General Liability insurance coverage includes:

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• non-employee bodily injury
• property damage
• products & completed operations
• medical payments
• damage to rented property
• personal & advertising injury

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General liability coverage does not cover employee injuries as it is coverage for losses sustained as a result of your company’s negligence. It does not include auto accidents, workmanship, intentional acts or professional mistakes.

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We have markets for any types of businesses including (but not limited to):

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• restaurants
• manufacturing
• contractors
• Lessor’s risks
• churches
• offices
• warehouses
• shopping plaza
• entertainment industry
• and many, many more

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Melissa Ems Insurance Advisors are ready to shop the best rates and coverage from top rated carriers. We have markets for every type of business class code out there. We also provide certificates of insurance (COI) at no additional cost to you.

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.