General Liability Insurance in Macon, GA 

Whether you operate a retail store, run a contracting company or manage a professional office, unexpected incidents can occur at any time. Without proper coverage, a single event could disrupt operations and place your company’s financial stability in jeopardy. General liability insurance can help your business manage financial losses resulting from a wide range of risks.

What Does General Liability Insurance Cover?

General liability insurance is a foundational coverage that often offers the following financial protection:

• Third-party bodily injury coverage can help with medical expenses and legal costs if a customer or a visitor is injured on your premises.
• Third-party property damage coverage may help cover repair or replacement costs if your business activities accidentally cause damage to someone else’s property.
• Personal and advertising injury coverage may offer financial support if you encounter claims of libel, slander or copyright infringement related to your business’s advertising.

What’s Not Covered in Standard Policies

While general liability insurance can offer a wide range of coverage, a standard policy often does not include the following:

• Employee injuries—If your employees get injured, you’ll need workers’ compensation insurance to cover medical costs and lost income.
• Professional errors—Mistakes or negligence in the professional services you provide, such as giving incorrect advice, are not covered. Consider purchasing professional liability insurance to mitigate this type of risk.
• Damage to your own property—Loss or damage to your business’s own property, equipment, or inventory is not covered. You’ll need commercial property insurance for this financial protection.

Intentional acts, contractual liabilities and cyber liability may also not be covered unless specifically included in your policy.

Where to Get General Liability Insurance

If you frequently interact with clients or customers in person, work on client premises or own commercial space, you may want to consider securing general liability insurance. Contact Tidwell and Hilburn Insurance, Inc. today to discuss options tailored to your needs.