General liability is just one of the types of insurance that virtually every business needs. It provides coverage for third party bodily injury, property damage and certain personal injury perils of a “general” nature (not employee or auto related), such as slips and falls on the premises of the business and injury from using the insured’s product. In most cases legal defense expense is provided in addition to the liability limits of the policy. General liability policies contain exclusions that could necessitate other types of coverage. Some examples are

• Pollution
• Employment Practices
• Directors and Officers
• Fiduciary Liability
• Care Custody and Control
• Professional
• Cyber
• Products Recall

Every business is unique. Offenhauser is well versed in analyzing exposures and advising what insurance is needed. Call or email us today.