General Liability

Worker driving forklift in warehouse

Small mishaps can result in large lawsuits, making general liability insurance essential for all businesses. No matter your business type, discuss your liability needs with your local IMT Agent. The worry-free coverages are designed for you, your business, and your peace of mind.

What is Covered?

Your legal liability for bodily injury, property damage, and personal and advertising injury arising out of your premises, operation, products, or completed operation (up to policy limits). Costs involved in defending or settling claims are in addition to the limits of your policy. Separate limits are provided for medical expenses and damage to a premise you rent.

Your insurance policy can be flexible, just like your business is. We have packaged the most common General Liability coverages for businesses together in our Diamond endorsements in three different tiers.

Additional Coverages

Available on a General Liability policy for certain types of businesses and based on the operations of the risk. Contractor’s Pollution Legal Liability is available for eligible contracting risks and Premises Pollution Legal Liability* is available for eligible non-contracting risks. The coverage is tailored on a sub-limit basis as an endorsement to a General Liability policy. Coverage is provided for bodily injury, property damage, or environmental damage caused by the discharge, dispersal, release, escape, seepage, or migration of pollutants. Defense costs are included within the coverage limit. The coverage provided by the pollution liability endorsements would not otherwise be provided on a General Liability policy.

*Premises Pollution Legal Liability is not available in Illinois.

We understand the headache that could arise out of having your identity stolen, so we include IDR on our General Liability policies. If you are a victim of identity theft, IDR protection helps restore your credit history and identity records to pre-theft status.

Most businesses have contractual obligations as part of their business operations. In most instances, those contracts include additional insured requirements. We offer a wide variety of Additional Insured endorsements designed to meet your business needs. The most common Additional Insured requirements are built into our Diamond endorsements.

Find out more about our General Liability policy and obtain a free quote by contacting your local IMT Independent Insurance Agent!

This is a brief summary of coverage and is intended only as an aid in selecting a policy. Review the actual policy for details on all coverages, terms, limits, conditions and exclusions, or contact your IMT Independent Insurance Agent for complete details.

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