Every Ohio business owner has one of those days eventually – when everything that can go wrong will. Sometimes it’s a small blip like a late shipment or your POS system going down for a few minutes. Sometimes, it’s a much bigger problem.
Customers get hurt in your store or shop. One of your crew members damages a client’s car or equipment. For these moments, your Ohio general liability insurance policy is there to help keep your business from going bankrupt.
General liability helps businesses across Ohio by covering the expenses incurred from bodily injury or property damage done to any third-party (non-employees). More importantly, your insurance policy helps cover legal fees and the legal settlement up to your policy limit.
Without a general liability policy, you’re still responsible for injuries, damages, and lawsuits, but you’ll have to pay out of pocket to cover those expenses. This could kill your business goals and shut your doors forever.
How does an Ohio general liability insurance policy work?
Property damage – If a vendor, customer, or random person suffers damage from theft, vandalism, accidents, or other situations where your business is responsible, the repairs or replacement of their property will be covered.
Bodily injury – When a third-party is injured in your business, whether on the premises or wherever you’re working (like a job site) in Ohio, their medical expenses will be paid.
Legal fees and settlements – Unfortunately, some people will still sue you for damages. Your Ohio general liability policy will help cover those fees and settlements up to your policy limits.
Whether you need a new policy or to update an old general liability policy, Bickle Insurance can help. Contact us today or complete the form to request a free quote.