Most Common General Liability Claims for Small Businesses

​One of the most common costly charges in starting a business is the personal injury lawsuits that customers may sue you for upon entering the premises of your business. Accidents may happen within the day. Make sure to have the appropriate insurance to protect you from the claims that customers might hold you liable for.

1. Property Damage
   If another person has caused damage or destruction to your property (home, land, vehicle, cellphone), whether it be carelessly or intentionally, you can sue the person through a lawsuit by asking for aid from the court system to compensate for your financial loss. If it goes the other way around, however, where you damaged another person’s belongings accidentally, this is where your general liability insurance comes to play. Your insurance company will help cover the costs for the filed lawsuit, making it essential to have one.
   
   
2. Slips and Falls
   If someone accidentally trips or slips within the vicinity of your property or business, the person or her/his relatives may sue you for medical charges even if it was not your fault. Your general liability insurance can assist in covering the costs for the injury.  
   
   
3. Product Liability
   Product liability means that the manufacturer is held liable for selling a defective product to a customer. If any harm or accident happens due to the product defect, all sellers associated in the chain of distribution is then held responsible. According to the law, it is necessary that a product should meet the expectations of the customer. Fortunately, if ever you sell a product with a hidden defect, your general liability insurance company will support you with the payments. 
   
   
4. Customer Injury
   Customers should feel safe and comfortable after entering the premises of your business. You are obligated to provide a safe atmosphere and environment to all your customers. That is why if your business fails to give that need, resulting in accidental injuries to customers, they may sue the store for it. Provided that you have general liability insurance, you are aided in covering the costs. 
   
   
5. False Advertising
   Various laws prohibit any misleading labeling, deceptive advertising, or any similar practices. Customers are given the right to sue the business for misleading them into buying products or for paying for your services.

Having general liability insurance will save you from the stress of worrying about the charges and costs that customers might sue you for any injury associated with your business. If you want to start a business, make sure to have insurance to ease your mind for any unpredictable occurrences.

At American Eagle Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (225) 667-7377 or Click Here to request a free quote.