We understand all South Carolina businesses are unique. Just because you are a small or medium sized business does not mean you are exempt from litigation. All businesses need General Liability Business Insurance to protect your organization from unforeseen events. General Liability Business Insurance should be the foundation of your insurance program.
General Liability Insurance provides the following coverage:
Bodily Injury– Bodily Injury to a third party.
Property Damage– Damage to a third parties property (equipment building etc.).
Personal Injury– Injury to the mind or emotions, as opposed to an injury to property.
Advertising Liability– Damages arising out of advertising, libel, slander and invasion of privacy.
Products & Completed Operations– Liability arising out of the Nonprofits products or business operations and services conducted, excluding Professional services.
Premises-Covers liability arising out of injury to third parties while on your premises.
Medical Payments- A general liability coverage that reimburses others, without regard to the insured’s liability for bodily injury while on your premises.
General Liability Insurance is designed to cover defense costs as well as judgments. It is an important part of your insurance program that we recommend for your organization.
- A visitor to the office tripped and fell down a flight of stairs. An investigation revealed that a broken hand rail contributed to the accident. Total medical bills of $2,570 were paid to the claimant.
- A business recently held a private event at the home of a manager, where food was provided by the employees. An attendee (not an employee) got sick the next day and it was traced back to the food provided at the event. The insurance company paid the medical bills of $650 and compensation for three days of lost work time.
Call us today for more information on a complete business insurance program. We know there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today. As an independent insurance agency our goal is to shop the markets for you and find you the value for your needs that doesn’t shortchange you on coverage but also fits your budget. Like a mighty oak you should know that your insurance is going to hold up when calamity hits. Let Cliff Heath Insurance be the roots of your tree of coverage