Commercial General Liability in Columbia, Greenville and Throughout South Carolina

Critical Assurance for the Protection of Your Business

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Kendall & Associates Insurance Agency, Inc., we can help you create a policy that is designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Kendall & Associates Insurance Agency, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Kendall & Associates Insurance Agency, Inc. include:

• Premises Liability
• Products and Completed Operations
• Premises Medical
• Fire Legal Liability
• Casualty Coverage

Other types of Commercial General Liability include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

• Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
• Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
• Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it is important to talk with a specialist at Kendall & Associates Insurance Agency, Inc. about the best options for your business.

Common General Liability Insurance Questions:  

Do I Need General Liability Insurance?  
Everyone needs general liability insurance. The same goes for businesses. Accidents can happen anywhere at any time, even in the most unexpected ways. A sudden lawsuit can ruin a business that’s not prepared. General liability insurance helps lessen the burden that comes with accidents such as this.  

How is General Liability Insurance Defined?  
General liability insurance is a type of insurance that covers lawsuits and accidents related to non-professional negligent acts.  

What Does General Liability Insurance Cover?  
General liability insurance covers three main areas:  

• Bodily Injury: This covers medical expenses as well as legal fees related to a third-party injury on the property.  

• Property Damage: This covers incidents of property damage that occurs out of everyday business activity.  

• Personal/Advertising Injury: This coverage covers personal and advertising injury such as libel, slander, copyright infringement and invasion of privacy.  

How Much General Liability Insurance Do I Need?  
Most general liability policies begin at $1 million, but your business may need higher limits, depending on the likelihood of lawsuits, size of the business and nature of potential lawsuits.  

How Does General Liability Insurance Work?  
General liability insurance protects both the business and victims in the event of an accident that results in bodily injury, property damage, and personal or advertising injury. The policyholder pays monthly or yearly premiums for coverage. When a claim is filed and approved, the policyholder will receive compensation for certain expenses related to the incident.  

How Much Does General Liability Insurance Cost For A Business?  
General liability insurance prices vary depending on location, the size of the business, the claims history and industry, the deductible and applicable coverage limits. For a $1 million policy, businesses may pay between $300 and $1,000 a year for general liability insurance.  

Who Does General Liability Insurance Cover?  
General liability insurance covers the business and its employees, as well as any victim of a general liability accident.