☰ ˟
Send us a text: 269-339-0002 Language Selector
Logo Bulgarian Logo
  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Liquor Liability Quote Form
      • Workers Compensation Quote
    • Farm
    • Flood
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
    • Life
    • Motorcycle
    • Pet Insurance
    • Recreational Vehicle
    • Renters
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Request Declaration and Coverages Page for Auto Policy
      • Send Declaration and Coverages Information to Lien Holder
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • Business & CommercialImage of right arrow
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Request General Liability Certificate of Insurance
    • Earthquake
    • Flood
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • MotorcycleImage of right arrow
      • Request ID Card for Motorcycle Policy
      • Request Declaration and Coverages Page for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Recreational VehicleImage of right arrow
      • Request ID Card for Recreational Vehicle Policy
      • Request Declaration and Coverages Page for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • Renters
    • Watercraft & BoatImage of right arrow
      • Request Declaration and Coverages Page for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Links
    • Important Files
    • Insurance Glossary
  • About Us
    • About Allen Harmon Mason Selinger Insurance Agency
    • Our Locations
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > How Long Do You Have to File a General Liability Claim?
THURSDAY, AUGUST 4, 2022

How Long Do You Have to File a General Liability Claim?

Accidents happen, most of the time in the most unexpected way. Say a guest slips in your restaurant and twists their ankle. You call for medical assistance immediately, but the guest is furious and doesn’t want to pay for the medical expenses. What do you do? business owner shaking hands with customer

Every business should have general liability as part of their insurance policy. This coverage provides compensation for bodily injury or physical damage you may directly or indirectly cause to someone else. It offers medical expense assistance as well as helps with legal expenses relating to lawsuits. General liability often comes in bundles, such as when it is paired with property coverage as part of a business owners policy. 

There are a few different areas of general liability: 

  • Bodily Injury: This provides compensation if a guest or client obtains an injury due to regular business operations.
  • Property Damage: This provides compensation if someone else’s property is damaged due to regular business operations.
  • Products Liability: This liability coverage protects the business in case a lawsuit arises due to injury or accidents caused by a product.
  • Completed Operations: This coverage is especially useful for companies in construction and other service industries. It protects the business if injury or damage arises from something made or provided by the company. For example, if your company installs a fridge which later falls and injures the client. 


Personal/Advertising Injury: Personal and advertising injury refers to damage your business may cause through libel, slander or advertising. 

Say one of these coverages has been called into question and your business faces a lawsuit. Lawsuits are expensive, so you want to file an insurance claim so that your company’s assets aren’t drained. The time you have to file a claim depends on the claim itself and the type of policy you have. With liability insurance, you generally have two choices for your policy: claims-made or occurrence. General liability policies are typically occurrence policies, meaning the claim is only covered if the incident occurred while the policy was in place. With a claims-made insurance policy, the coverage only steps in if the claim is filed against the insured while the policy is active, regardless of when the actual incident occurred. There are benefits to both types of coverage. 

If you are sued, states may require you to respond to the claim against you within a certain period of time. This period is often 20 days but can vary per state and situation. It is during this time that you should file a general liability claim by calling your insurance agency. Be sure to have information ready to file the claim. 

1. Your contact information 
2. Name of the insured (company name, for example) 
3. Policy number 
4. Date and location of the incident 
5. A detailed description of the incident 
6. Any documentation that can be used to approve the claim 

If the incident involves bodily harm or injury, be sure that the victim receives medical attention first and foremost. After filing a claim with your insurance agency, the victim may receive compensation for medical expenses. 

There are instances where an insurance company may deny your claim. Intentional or criminal acts will not be covered under a general liability policy, nor will incidents that occur outside of the scope of work. General liability is different than professional liability, and claims made due to negligence on behalf of your or the business likely won’t be covered with general liability. It also does not cover employee injuries. If an employee is injured at work, it’s critical to have workers compensation insurance in place to ensure they receive medical treatment and wage compensation, if necessary. 

Posted 3:09 PM

Tags: general liability insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(32)
  • tips(22)
  • coverage(21)
  • home insurance(19)
  • auto insurance(19)
  • life insurance(18)
  • business insurance(18)
  • battle creek(14)
  • savings(12)
  • health insurance(9)
  • battle creek auto insurance(9)
  • battle creek home insurance(8)
  • battle creek life insurance(7)
  • battle creek car insurance(7)
  • safety(6)
  • battle creek homeowners insurance(5)
  • auto insurance battle creek(4)
  • commercial auto insurance(4)
  • general liability(4)
  • car insurance battle creek(4)
  • auto(4)
  • premiums(4)
  • workers compensation(3)
  • winter(3)
  • costs(3)
  • life(3)
  • michigan(3)
  • health(3)
  • battle creek business insurance(3)
  • battle creek health insurance(2)
  • protection(2)
  • claims(2)
  • home insurance battle creek(2)
  • allen harmon insurance(2)
  • commercial(2)
  • general liability insurance(2)
  • homeowners insurance battle creek(2)
  • cold(2)
  • battle creek mi homeowners insurance(2)
  • driving(2)
  • commercial auto(2)
  • homeowners(2)
  • policy(2)
  • property insurance(2)
  • homeowners insurance(2)
  • cold prevention(1)
  • thunderstorm safety(1)
  • life insurance beneficiary(1)
  • teen drivers(1)
  • snow(1)

View Mobile Version
Facebook icon Twitter icon Google Icon Twitter icon
Allen Harmon Battle Creek | 230 N Helmer Rd | Battle Creek , MI 49037 | (269) 441-5156 Allen Harmon Rochester | 961 Oakwood Dr | Rochester, MI 48307 | (877) 205-0051
© Copyright. All rights reserved.
Powered by Insurance Website Builder