Explaining Common General Liability Accidents to Clients?

Explaining Common General Liability Accidents to Clients

Liability lawsuits are common in any business, and they’re always the most important challenge to be on the lookout for. Still, knowing what kind of accidents to expect can help you prepare yourself against them, as well as help you know the right limits of general liability coverage to have in case an accident ever does occur. 

Below are some of the common general liability accidents your business may face from day to day. 

Bodily Injuries 

Injuries are one of the most common liability accidents across industries, especially for businesses with physical locations. For example, slips and falls due to spills occur frequently in restaurants and stores, and your client could be on the hook for the related medical bills.  

General liability insurance can help cover the victim’s medical bills while also protecting the business from a related lawsuit. This is especially important for businesses that offer physical activities such as exercise rooms, trampoline rooms, etc. 

Property Damages 

Property damage refers to third party property damage that occurs as a result of everyday business. If you lease or rent a physical location for your restaurant and a fire breaks out, for example, damages to the building may be covered under general liability insurance. This helps you avoid having to compensate your landlord out of your own pocket. 

Product Liability 

Product liability refers to bodily injury and property damage a product that is offered, manufactured or sold by the business may cause. For example, there are often claims regarding injuries and damage from hair and skin care products such as rashes, burns and hair loss. This is where general liability insurance steps in to help pay for some of the damage that a client might allege your product caused them.