General Liability Insurance in Ottumwa, IA

Customers, clients and competitors can all bring claims against a business, and each one puts your coverage to the test. At McCune & Reed Insurance, our team helps businesses in Ottumwa, IA understand how a general liability policy may respond to situations like these.

What Does General Liability Insurance Cover?

A standard general liability policy may help cover the following types of claims:

• Bodily injury claims may arise when a third party is injured on your premises or at a job site.
• Property damage claims may arise when your business operations or employees damage a third party’s property.
• Products-completed operations claims may arise from bodily injury or property damage caused by your products or completed work after they leave your control.
• Personal and advertising injury claims may arise from libel, slander or copyright infringement in your marketing.

A policy may also help pay legal defense costs if your business is named in a covered lawsuit. Some risks fall outside general liability and call for separate coverage, such as employee injuries, professional errors or damage to your own property. Our team can help you see where general liability coverage ends and those separate policies begin.

Who Is Covered Under a General Liability Insurance Policy?

Coverage typically extends to the named business, its owners and employees acting within the scope of their work. Policies can also be structured to include additional insureds, such as a landlord or client whose contract requires it.

Get the Right Coverage for Your Business

Coverage that fit your business last year may not fit it today. Contact McCune & Reed Insurance to review your business operations and identify the coverage structure that fits your exposure.