Commercial General Liability in Charlotte, NC and Matthews, NC
Critical Assurance for the Protection of Your Business.
North Carolina business owners have many responsibilities, one of which involves ensuring the business is protected against the many risks it faces. Purchasing insurance solutions can help provide a layer of protection against those risks. While there may be a variety of policies to consider, all businesses should have commercial general liability insurance.
Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At J M Hamilton & Associates, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.
The agents at J M Hamilton & Associates are here to help you navigate your general liability insurance needs. Give us a call today to learn more about what policies may be available to you.
Commercial General Liability from J M Hamilton & Associates can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from J M Hamilton & Associates include:
Products and Completed Operations
Fire Legal Liability
Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.
Additional Commercial Liability
Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.
Since there are many types of liability coverages, it’s important to talk with a specialist at J M Hamilton & Associates about the best options for your business.
What Does General Liability Insurance Cover?
General liability insurance covers the expenses associated with lawsuits and accidents related to non-professional negligent acts. This coverage helps protect your business against accidents on company property and helps bear the burden of a lawsuit or accident-related expenses.
Bodily injury covers medical expenses, loss of services and legal fees related to a third-party injury on the property.
Property damage covers physical damage to the property of others or the loss of use of that property.
Personal and advertising injury covers personal and advertising injuries such as libel, slander, copyright infringement and invasion of privacy.
Products liability protects your company against lawsuits from product-related injury or accidents.
Contractual liability extends to any liability you may assume by entering into contracts.
Products-completed operations coverage provides liability protection (e.g., damages and legal expenses) if an injury resulted from something your business made or a service your company provided.
There may be additional coverages that may be appropriate for your industry or operations. The insurance professionals at J M Hamilton & Associates can review your business exposures and tailor coverage so your company is prepared for injury or damage claims.
Get Covered Today
The agents at J M Hamilton & Associates are here to help you learn more about commercial general liability insurance and find a policy that fits your needs. Call our team today or request a quote online to get started.