At Richard P. Bertolino Jr. Insurance Agency, we know how hard you’ve worked to build your business—that’s why we take general liability insurance personally. We’re here to help you protect what you’ve built from unexpected accidents, injuries, or claims that could come your way.
Our team takes the time to get to know you and your business, so we can find the coverage that truly fits your needs. We’re always just a phone call away, ready to guide you through the process and make sure you feel confident and covered every step of the way.
Contact us now at 978.423.8995 to get started. We can always help you over the phone, but we encourage you to set up a personal consultation with us. This way, we can answer any questions you have, and no details will go overlooked.
General liability insurance protects businesses from financial loss due to claims of bodily injury, property damage, and other related issues arising from their operations or products, including legal defense costs and potential judgments or settlements.
Here’s a more detailed explanation:
- What it covers:
- Bodily Injury: This includes physical injuries, sickness, or disease sustained by someone, including death resulting from the injury.
- Property Damage: This covers damage to someone else’s property caused by your business’s operations or products.
- Medical Expenses: General liability insurance can cover medical expenses incurred by someone injured due to your business’s actions.
- Legal Defense Costs: It covers the costs of defending your business in lawsuits related to covered claims.
- Settlement Bonds or Judgments: The policy can cover the costs of settling a claim or paying a judgment if your business is found liable.
- Personal and Advertising Injury: This covers claims related to slander, libel, copyright infringement, or other similar actions.
- Slip-and-fall accidents: General liability insurance can cover claims arising from slip-and-fall accidents on your property.
- Other customer injuries: It can cover injuries sustained by customers on your premises or due to your products or services.
- Damage caused by your product: If your product causes damage to someone else’s property, the policy can cover the costs.
- What it doesn’t cover:
- Intentional Acts: Coverage typically excludes claims arising from intentional acts or negligence that is preventable.
- Professional Liability: If your business is a professional service (like a doctor or lawyer), you may need separate professional liability insurance.
- Why it’s important:
- Financial Protection: It helps protect your business from the financial consequences of lawsuits and claims.
- Peace of Mind: Knowing you have coverage can provide peace of mind, especially for businesses that deal with the public or have products that could potentially cause harm.
