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General Liability Protection
Protection from litigation resulting from specific business exposures
The most recognizable General Liability lawsuit is the slip and fall accident. It also covers the legal defense costs, along with settlements and judgements from a variety of liability claims that can result from the practice of law (excluding malpractice claims).
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Why should I have General Liability?
On a day to day basis, it’s likely that you and your employees are interacting with many people, such as clients, vendors and contractors. Any one of them could experience an injury or loss on your property or in the course of your business operations.
As an attorney, you know better than anyone
that if you are responsible for someone’s injury or property damage, they just might file a lawsuit against you. A General Liability policy is the easiest way to help protect your business against the high cost of litigation, settlements and judgements.
If you have a Business Owners Policy
you don’t need General Liability. It is included there.
What does General Liability generally cover?
If someone such as a client is injured at your place of business or because of your operations, you may be legally liable for their injury, including medical payments, lost income and pain and suffering.
In the course of doing business, if you cause damage to someone else’s property, such as breaking something of value at your client’s home, you may be responsible for its value.
Coverage for claims alleging libel, slander, malicious prosecution, wrongful eviction, invasion of privacy and false arrest.
Protection against lawsuits alleging false advertising and copyright infringement.
Tenant Legal Liability:
If you are a tenant in your building and are responsible for a fire that destroys the structure, this coverage will pay for the damages.
Coverage for injuries due to a product you placed in the hands of your client.
How much coverage do I need?
In the event of a lawsuit, what is the worst-case scenario? How much could you be sued for?
When determining this amount, consider your area of practice, clientele, size of your business, location, and your annual revenue. Most small to medium sized law firms opt for General Liability limits of $1 to $2 million.
How much does General Liability cost?
The cost varies with a number of factors:
The size of your firm
Your area of practice
Current and past business activities
The number of years you have been in business
Minimum premiums start from around $350 per year.
Speak to an Aon Attorneys Advantage advisor: