Call Us 801-364-3434 ☰ ˟
Logo
Call Us Today 801-364-3434
Client Portal Benefit Enrollment Design Conference
  • Our Agency
    • AboutImage of right arrow
      • Our Locations
      • Employee Directory
    • Personal ProductsImage of right arrow
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Specialty Auto Insurance
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Earthquake Insurance
      • Other Personal InsuranceImage of right arrow
        • Personal Umbrella Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Supplemental Insurance
        • Disability Insurance
        • HSAs
      • Recreational Vehicle Insurance
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Architects & Engineers
        • Car Dealership Insurance
        • Charter Schools
        • Dental Practice Insurance
        • Educational Facility Insurance
        • Fuel Marketers and Distributors
        • Garage Insurance
        • Healthcare Facility Insurance
        • Law Firm Insurance
        • Manufacturing Insurance
        • Medical Malpractice Insurance
        • Nursing Home Insurance
        • Printers & Publishers Insurance
        • Restaurant Insurance
        • Retail Insurance
        • Self-Storage Insurance
        • Specialty Trade Contractors Insurance
        • Technology Services Insurance
        • Underground Storage Tank Insurance
      • Coverage for Your BusinessImage of right arrow
        • Business Catastrophe Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Drone / Tech Liability
        • Employment Practices Liability (EPLI)
        • Equipment Insurance
        • Errors and Omissions Insurance
        • HVAC Contractors Insurance
        • Liquor Liability Insurance
        • Mechanical Breakdown Insurance
        • Office Insurance
        • Professional Liability
        • Small Business Insurance
        • Storage Insurance
        • Technology Insurance
        • Transportation Insurance
        • Trucking Insurance and Semi Truck Insurance
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
      • Farm InsuranceImage of right arrow
        • Crop Insurance
        • Farm Owners Insurance
        • Farm Livestock Insurance
        • Equine Insurance
        • Farm Equipment Insurance
        • Farm Dwelling Insurance
        • Farm Structures Insurance
        • Farm Auto Insurance
        • Farm Umbrella Insurance
        • Farm Liability Insurance
    • Our SpecialtiesImage of right arrow
      • Architects & Engineers
      • Petroleum / C-Stores
      • Underground Storage Tanks
      • Charter Schools
      • Restaurants
      • Auto Dealerships
      • Accountants
      • Lawyers
    • Design Conference
    • Get A Quote
    • Client Portal
    • Benefit Enrollment Portal
    • Our Providers
    • Tools & Resources
    • Articles & InformationImage of right arrow
      • Coronavirus Newsletter
      • Covid-19 Info
      • Earthquake Info
      • 2019 Great Utah Shake Out
      • Flood Insurance FAQs
      • Urban Wildfire Protection
      • Firework Safety
      • Home Inspections
      • Umbrellas
    • Contact UsImage of right arrow
      • Salt Lake Office
      • Las Vegas Office
  • Products
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Specialty Auto Insurance
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Earthquake Insurance
    • Other Personal InsuranceImage of right arrow
      • Personal Umbrella Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Supplemental Insurance
      • Disability Insurance
      • HSAs
    • Recreational Vehicle Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • A&E Liability Coverage
      • Architects and Engineers
      • Car Dealership Insurance
      • Charter Schools
      • Dental Practice Insurance
      • Educational Facility Insurance
      • Fuel Marketers and Distributors
      • Garage Insurance
      • Healthcare Facility Insurance
      • Law Firm Insurance
      • Manufacturing Insurance
      • Medical Malpractice Insurance
      • Nursing Home Insurance
      • Printers & Publishers Insurance
      • Restaurant Insurance
      • Retail Insurance
      • Self-Storage Insurance
      • Specialty Trade Contractors Insurance
      • Technology Services Insurance
      • Underground Storage Tank Insurance
    • Coverage for Your BusinessImage of right arrow
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Drone / Tech Liability
      • Employment Practices Liability (EPLI)
      • Equipment Insurance
      • Errors and Omissions Insurance
      • HVAC Contractors Insurance
      • Liquor Liability Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Professional Liability Insurance
      • Small Business Insurance
      • Storage Insurance
      • Technology Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
    • Personal ProductsImage of right arrow
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Specialty Auto Insurance
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Earthquake Insurance
      • Other Personal InsuranceImage of right arrow
        • Personal Umbrella Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Supplemental Insurance
        • Disability Insurance
        • HSAs
      • Recreational Vehicle Insurance
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Architects and Engineers
        • Car Dealership Insurance
        • Charter Schools
        • Dental Practice Insurance
        • Educational Facility Insurance
        • Fuel Marketers and Distributors
        • Garage Insurance
        • Healthcare Facility Insurance
        • Law Firm Insurance
        • Manufacturing Insurance
        • Medical Malpractice Insurance
        • Nursing Home Insurance
        • Printers & Publishers Insurance
        • Restaurant Insurance
        • Retail Insurance
        • Self-Storage Insurance
        • Specialty Trade Contractors Insurance
        • Technology Services Insurance
        • Underground Storage Tank Insurance
      • Coverage for Your BusinessImage of right arrow
        • Business Catastrophe Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Drone / Tech Liability
        • Employment Practices Liability (EPLI)
        • Equipment Insurance
        • Errors and Omissions Insurance
        • HVAC Contractors Insurance
        • Liquor Liability Insurance
        • Mechanical Breakdown Insurance
        • Office Insurance
        • Professional Liability
        • Small Business Insurance
        • Storage Insurance
        • Technology Insurance
        • Transportation Insurance
        • Trucking Insurance and Semi Truck Insurance
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Our SpecialtiesImage of right arrow
      • Architects & Engineers
      • Petroleum / C-Stores
      • Underground Storage Tanks
      • Charter Schools
      • Restaurants
      • Auto Dealerships
      • Accountants
      • Lawyers
  • Resources
    • Refer a friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About
    • Our Location
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact
    • Location(s)
Home > Blog > General Liability Exposures Every Organization Should Know
MONDAY, DECEMBER 2, 2024

General Liability Exposures Every Organization Should Know

Virtually every company encounters commercial liability exposures. A commercial liability loss exposure refers to a circumstance or scenario that carries the potential for an organization to be held legally and financially accountable for causing injury, damage, or harm to another entity. man writing on paper

These exposures originate from the nature of an organization’s tasks and the locations where those activities occur. They also encompass various elements of business-related situations, events, or engagements that might lead to adverse outcomes for a third party.

5 Common Commercial Liability Exposures

Here are five categories of commercial liability exposure that every organization should be familiar with. These potential loss exposures that could impact an organization include:

  1. Premises Liability: Premises liability pertains to the risk an organization faces if a customer or client sustains an injury on their premises. For instance, if someone trips and gets injured while visiting a store. Businesses that require physical customer presence, like retail stores and landlords, are particularly susceptible to these types of losses. They could be held accountable for bodily injuries or property damage.
  2. Operational Liability: Operational liability exposure involves the chance that an organization might be held liable for bodily injuries or property damage resulting from ongoing operations, as opposed to completed ones. Consider a contractor working on a client's property. If an employee drops a tool during the job, causing bodily injury and property damage to a passerby and the home, it falls under operational liability.
  3.  Products Liability: Products liability addresses the exposure an organization faces when manufacturing, distributing, or selling unsafe or defective products. This risk affects any organization involved in production or sales. Injuries related to these products can occur globally after they have been manufactured or sold.
  4.  Completed Operations Liability: Completed operations liability exposure concerns injuries or damages sustained by a third party due to work, including construction, that has been finished, handed over to the buyer or client, and is being used as intended. For instance, if faulty wiring by a contractor causes an electrical fire in a completed construction project, it's considered a completed operations exposure. Importantly, injuries or damages arising from completed operations can happen even after the business's relationship with the injured party has ended.
  5.  Contractual Liability: Contractual liability exposure emerges when organizations enter into contracts. By agreeing to contractual terms, an organization becomes liable if the other parties involved believe that the organization hasn't fulfilled its obligations as per the agreement.

Understanding these various types of commercial liability exposure is crucial for businesses to effectively manage risks and ensure that they are adequately protected against potential legal and financial ramifications.

Contact American Ins & Inv Corp to learn more about mitigating your general liability exposures with an appropriate commercial general liability policy today.

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.

Posted 10:00 AM

Tags: general liability
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
  • 2025
  • 2024
  • 2023
  • 2022

  • auto insurance(7)
  • business insurance(6)
  • bop insurance(4)
  • home insurance(3)
  • group health insurance(2)
  • life insurance(2)
  • general liability(2)
  • professional liability insurance(2)
  • professional liability(2)
  • earthquake insurance(1)
  • workers compensation(1)
  • cyber liability insurance(1)
  • drone insurance(1)
  • farm insurance(1)
  • restaurant insurance(1)
  • boat insurance(1)
  • key person insurance(1)
  • flood insurance(1)
  • trucking insurance(1)
  • renters insurance(1)
  • medical malpractice insurance(1)
  • workers comp(1)
  • workers compensation insurance(1)
  • e&o insurance(1)

View Mobile Version
Logo

Salt Lake Office

448 South 400 East
Salt Lake City, UT 84111

Ph: 801-364-3434
Fx: 801-355-5234

Las Vegas Office

Las Vegas, NV 89118
Ph: (702) 877-1760
Fx: (702) 877-0937

© Copyright. All rights reserved | Powered by Insurance Website Builder