General Liability in Rhode Island
If your business is open to the public, the need for a general liability policy has never been greater than before. For those who work in South Kingstown, RI, or other areas in Rhode Island, negligence by employees can happen, and someone can be hurt on your property. This is why general liability insurance is something that all business owners should invest in.
What is Covered by General Liability Insurance?
This policy does not focus on accidents but more on the incidents where your business is at fault due to negligence by you or your employees. Someone could suffer physical harm on these claims, or the complexity could be much more.
- Reputational harm
- Advertising Damages
- Medical Expenses
- Property Damage
Everything from someone getting hurt during a fall to attacking another business can be grounds for general liability and generating a claim. How you communicate with others about your competition is very important, especially when speaking in public. Advertising damages and reputational harm are enough to cause some small businesses to take a significant heat to the bottom line. Depending on what is being listed on the claim, you are still responsible for these costs and damages.
When Do These Accidents Happen?
In most cases, they happen during normal business hours when customers and members of the public are visiting the business. It can also happen if an employee is generating defamation among colleagues or other members of the public.
Once these accidents have happened and the authorities have been notified, it is up to you as the business owner to make sure that all costs and expenses associated with the claim are covered and paid in full.
Get the Protection You Need with General Liability Insurance
Do not risk your Rhode Island business any longer. Feel free to call or email our office at Kingston Insurance Agency LLC, where one of our representatives will be happy to assist.