Most businesses are required to have general liability insurance, so it is important to understand what is and is not covered.  While these are general rules of thumb, be sure to contact us to make sure your specific needs are met.

What is Typically Covered 

Business comes with risk by its nature, but commercial liability coverage protects against many risks.  It protects your business, your employees, and you from claims involving bodily injury or damage to property.  General liability insurance protect you from out-of-court settlements, litigation, and court orders.

In a lawsuit if damages are filed against you or you are sued, the investigation by the insurance company and attorney expenses along with medical expenses, required bonds, and any judgment or settlement are covered by general liability insurance.  Claims related to injury or property damages on your grounds or from your products, operations, or advertising can also be covered.

General liability insurance coverage can also cover less common or thought of items, such as copyright infringment, alcohol-related incidents, and advertising issues.

Contact an Athens Insurance agent today to discuss your commercial general libaility situation and what may or may not be covered.

(423) 745-3062


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110 W Washington Ave
City, State Zip
Athens, TN 37303
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(423) 745-3062
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(423) 745-8888 (fax)


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147 N. Market St
Chattanooga, TN 37405
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(423) 475-5861
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(423) 531-8833 (fax)