Commercial insurance or commercial liability insurance is meant to protect your business from common everyday liabilities. You should remember that you have to face liabilities everyday on your business. The only way you can protect your business is by carrying adequate business liability insurance. The first line of defense against many common claims is to get commercial general liability insurance. This kind of insurance covers claims for any kind of physical or bodily injury and property damage. You can get commercial liability insurance to protect your business against incidents that might occur in your premises or at other locations that are covered where you conduct your business normally. This kind of insurance will make sure that your business continues to operate while it faces charges whether real or fraudulent of any kind of negligence or wrongdoing.

The four basic categories of liabilities that general commercial liability insurance covers are bodily injury, property damage, personal injury and advertising injury. Along with covering the above mentioned claims, commercial general liability policies also covers for the cost of defending or settling claims even if they are fraudulent. Business liability insurance will also protect your business from any kind of financial loss that can result from the claims of injury or damage that are caused to others by either you or your employees. Read on to know about the liabilities that general commercial liability insurance covers.

• Automatic additional insured – Coverage is provided automatically ensured when it is required on a written contract, agreement or permit.

• Employment practices liability – This covers claims that include legal defense costs for some particular lawsuits that are employment related and pitched against you by any of your employees or job applicants.

• Personal and advertising injury – If you or your employees have committed certain offenses in the course of your business such as slander, libel, disparagement or copyright infringement in your advertisements, this cover deals with those.

• Premises and operations liability – This provides coverage for any bodily injury or property damage that anybody else might have sustained at your premises as a result of the operations of your business.

• Defense costs – This pays for the legal expenses for particular liability claims that are brought against your business despite whoever is at fault.

• Medical expenses – This pays for the medical costs in case of anyone getting injured at your premises and needing medical attention.

Thus you can see how important commercial liability insurance is for you to protect your business from everyday liabilities.