Commercial General Liability (CGL) insurance would protect your business in such scenarios. CGL protects your business assets if your business is sued for something your business did (or failed to do) that contributed to injury or property damage to someone else. The injury can also include damage from libel, slander, copyright infringement , or false advertising. Liability coverage would pay for damages and would also extend to paying attorneys’ fees and other costs involved in defending against the lawsuit, whether valid or not.
In Pennsylvania, general liability insurance is available as standalone coverage or it is included in the package of coverages in a Business Owners Policy (BOP). It should be noted that it does not cover injury to employees, nor does it cover harm that occurs due to professional negligence. Other coverages would need to be added specifically for those exposures. See the sidebar for common liability options.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.