General Liability

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General Liability Insurance, also known as commercial liability insurance, provides coverage for the general liability of businesses. It is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising from their premises, operations, products, completed operations, and advertising and personal injury liability. Having a comprehensive general liability insurance policy in place is a smart and essential move for businesses. In addition to the general liability insurance policy, there are additional enhancements that can be added to a business policy, such as:

  1. Directors and Officers Insurance (D&O): D&O insurance covers directors and officers of a company for negligent acts, omissions, and misleading statements that result in lawsuits against the company. It offers various coverage options, including corporate reimbursement coverage, personal liability coverage, and entity coverage. D&O policies can be expanded to include coverage for employment practices liability as well.

  2. Employment Practices Liability Insurance (EPLI): EPLI provides coverage for employment-related liabilities, excluding on-the-job injuries. This includes legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. It is recommended for businesses with employees to consider this type of coverage.

  3. Professional Liability Insurance (Errors and Omissions or E&O): E&O insurance covers professionals for negligence, errors, or omissions that result in harm to clients or damage to third-party data. This type of insurance is particularly important for licensed professionals such as accountants, attorneys, insurance agents, architects, engineers, and technology companies. Complete Insurance Solutions recommends that all professional and technology companies have E&O coverage.

General Liability Insurance for Contractors

General Liability Insurance plays a crucial role in protecting construction and contracting businesses. Here are three ways in which contractors benefit from General Liability Insurance:

  1. Protection of Business Assets: General Liability coverage ensures that your business assets are protected. In the event of a third-party claim alleging bodily harm, injury, or property damage, not having General Liability coverage could result in your contracting or construction business assets being seized to pay the judgment.

  2. Survival Plan: General Liability Insurance provides a survival plan for your contracting or construction business. If a judgment is passed against your business, this coverage helps your business survive by covering court costs and settlements up to the specified policy limits.

  3. Security for Your Business and Employees: With General Liability coverage, you and your employees can carry out daily work with peace of mind, knowing that you are protected from uncertainty. This coverage protects your business against claims brought against the company as a whole, as well as claims brought against individuals employed by the company.

We provide coverage for various trades, including but not limited to:

  • Plumbers
  • Electricians
  • Landscapers
  • Roofers
  • Asphalt companies
  • And many more.

Contact us to discuss your specific insurance needs and find the right coverage for your business in Louisiana.

Lafayette Office

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