General Liability Insurance

Liability insurance protects your business in case it is sued or held legally liable for injury or loss caused to a third-party by a mistake made by your company.

What is Not Covered

• Injury to an Employee - Employees are not considered third-parties. Injuries to employees are covered by workers' compensation insurance.
• Automobile Liability - Damage or loss caused by a company vehicle is covered by a commercial auto policy specifically sold separately from the liability policy.
• Damage to Business Property - Damage to business property is covered by commercial property insurance.

Limits
There are two types of limits in a standard liability policy:

• Single Occurrence Limit - This is the maximum amount the insurer will pay per a single occurrence.
• Aggregate Limit - This is the maximum amount the insurer will pay during any policy period. This is usually twice the single occurrence limit.

Endorsements and Exclusions
Endorsements add coverage to your policy. Among many others, these are just a few common endorsements:

• Liquor Liability - This endorsement adds coverage if your business sells, serves, produces, distributes or facilitates the delivery of alcohol to the public.
• Employment Practices - Allegations of discrimination in the workplace are becoming more common. This endorsement adds coverage for such claims subject to a number of limitations.
• Employee Benefits - If you or an employee manages employee benefits such as health insurance, 401k's, or pension plans, then this endorsement will add coverage to protect against claims of faulty administration or negligence.

BTB Can Help
Liability Insurance is a critical element of your business insurance plan. BTB can help you protect your business.

 » Call BTB Insurance today to review your business insurance plan.