Small businesses are prone to various risks, including those caused by natural forces. Storms, heavy rain and strong winds can lead to property damage and potential liability issues. Consider general liability insurance to help your business prepare financially for unexpected events.

What Does General Liability Insurance Cover?

General liability insurance may provide financial support if a third party sues your business due to claims arising from your business operations, products or services. This policy may assist with the following claims:

• Bodily injury

• Property damage

• Personal injury (e.g., defamation, libel, slander)

• Advertising injury (e.g., copyright infringement, misappropriation)

Does General Liability Insurance Cover Weather-related Incidents?

General liability insurance typically does not cover weather-related incidents such as storms, floods, hurricanes or earthquakes. For example, if a storm damages a business’s physical location, the repair costs would not fall under general liability. Instead, commercial property insurance may handle structural damage and business equipment losses caused by severe weather conditions. However, general liability insurance may provide financial assistance if a third party is injured on the premises due to unsafe conditions following a storm. For instance, if a customer trips over debris left by high winds and files a claim, your policy may help cover medical costs and legal fees.

The following are other examples of weather-related incidents that general liability insurance may cover:

• A customer slips and falls on ice or snow that accumulated on your business walkway or parking lot

• Strong winds dislodge your business sign, which falls and injures a pedestrian or damages their vehicle

• Lightning strikes your property and causes a fire that spreads to a neighboring business

If your business is at risk of weather-related damage, it’s best to check your policy details or speak with an insurance agent to help you get ideal coverage.

Affordable General Liability Insurance Near You

Total Insurance in Kennesaw, Georgia, offers reliable, low-cost general liability insurance plans. Contact us today to explore policy options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.