General Liability Insurance
What You Need to Know About
General Liability Insurance
Since 1956, RJ Ahmann Company has been a premier provider of general liability insurance nationwide.
What is general liability insurance?
GL insurance protects your business against financial loss resulting from claims of bodily injury or property damage caused to others by you or your employees. A wide variety of exposures from various sources can give rise to a liability claim. Three major sources of liability for businesses include:
Under the Consumer Protection Act of 1987, a manufacturer or supplier of a product is responsible for the damages their product may cause a consumer. Source: FDIC
Products liability
Product liability exposures exist when you manufacture, distribute or sell a product. Imagine you're a furniture manufacturer and your are sued by the parents of a child that experienced brain injury due to suffocation in a crib that your company made. Your products liability insurance would pay for the cost of your defense, in addition to the actual damages awarded by the court.
Premises liability
Premise liability exposures exist when you own, occupy or use a premise. So, if a client slips and falls on the leaves you didn't clean up at your store entrance and you were found negligent, premises liability insurance will pay for defenses costs and damages due to the injury.
Completed Operations liability
Contractors have significant liability exposures relating to the work a contractor has performed and finished. For example, a three level walkway at a hotel gave way during a concert and many people were killed. When the contractors that constructed the hotel were sued for negligence, they were protected by the completed operations liability coverage in their general liability policy.
Who should have general liability insurance?
All businesses, including home-based LLCs, benefit from adequate general liability coverage. And just because you work from your home doesn't mean business liability insurance isn't essential. A client who comes to your house for a meeting could slip and fall, and if you don't have business liability insurance in place, you can be caught without protection.
A smart solution
If you need business liability insurance, or if you just want to learn more, RJ Ahmann can help. With years in the industry, we’ve helped thousands of businesses protect against premises, products and completed operations liability exposures. Our experienced liability experts will help you obtain quality, cost-effective GL insurance coverage – tailored for your business’s unique needs. We also specialize in covering hard to place manufacturer's product liability insurance. Our Minneapolis agency represents a variety of "A" rated insurance companies.
As an RJA general liability insurance client, you will...
- Gain the advantage of working with RJA's GL experts who are trained and experienced in liability exposures, ensuring appropriate insurance advice and solutions.
- Benefit from our strong relationships with leading insurance companies.
- Enjoy solid protection from "A" rated carriers.
Ready to learn more? RJ Ahmann is ready to help with solutions for general liability insurance!