Liability insurance, also known as commercial general liability, protects businesses from third-party claims for bodily injury and damage to another's property, arising from premises hazards, products and completed operations.
You need General Liability if:
Your operations pose a risk of bodily injury to 3rd parties due to conditions at an owned or rented premise, and off premises
Your organization sells a service or product which can result in bodily injury or property damage to others
Your organization uses advertising to market, and is at risk for copyright or trademark infringement
Your organization has assumed certain liabilities via contract
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