General Liability Insurance

General Liability Insurance AKA “Slip and Fall Insurance” is essential for any business. A liability claim can be devastating and if you are not covered correctly, you can be forced to close the doors. At Schaefer Enterprises, we look to provide peace of mind for business owners by procuring the appropriate coverages to protect your business.

General Liability Policies include coverages such as:

Third Party Bodily Injury: Protects your business if someone sues you because they were injured on your premises. For example, a customer or client is injured due to slipping and falling on your premises, sidewalk, or parking lot.

Third Party Property Damage: Protects your business if you or an employee damages someone else’s property. For example, while working in a client’s office, you damage a piece of artwork hanging on the wall.

Personal and Advertising Injury: Protects your business if you are sued for copyright infringement, libel, or slander. For example, if you say something negative about another company’s product or business that results in a claim that you slandered their business’s reputation.

Product and Completed Operations: Protects your business from bodily injury or property damage that occurs away from your premises caused by your products or work. For example, if you manufacture a product and a claim arises alleging the product that you made or sold is defective causing injury.

Fire Legal Liability: Provides coverage if your negligence causes damage to the premises you rent or occupy. For example, if the office you are renting out is damaged due to a fire that occurred.

Medical Payments which provides the necessary payment to an injured party resulting from accidents that occurred on your premises or because of your operations. For example, if someone cuts their arm when falling on your premises, the medical expenses will be covered.