If you own a business, general liability insurance for your company and premises is a must. This type of business coverage is a powerful defense against lawsuits—but it doesn't cover everything. Here's what you can expect from your coverage and what you can't.

What’s Covered

When clients and visitors come to your business, you have a certain legal obligation to provide a safe environment for them. When someone sustains personal property damage or injury on your premises, you may be required to cover their expenses if your business is found at fault. These can include medical bills, which can rack up quickly. But if you carry general liability insurance, you're protected from these kinds of costs—and you may even be able to ask your insurance company for help defending the lawsuit.

What Isn't

General liability insurance is for customers of your business, not employees, as the latter would be covered under a workers’ compensation policy. Any intentional action by you or your business or a professional mistake you make during normal operation would also not be covered—for instance, if you're a contractor and cause accidental damage to a home you're working on, general liability insurance is the wrong type of policy to cover the repairs. Your company's cars will need a separate policy as well. Any punitive damages awarded by the court in a lawsuit against you will be your responsibility, not your insurance company's.

If you're in the market for general liability insurance, the reliable insurance agents at Blocker Insurance Agency are ready to help. Based in Cleveland, GA, and serving White County, they have over a decade of experience creating plans and packages to fit your insurance needs. They also offer bond products to make your major transactions safer. To discuss your needs, call (706) 865-1072. Visit their website to learn more about their services.