General Liability Insurance for Charleston and the Lowcountry

Liability risks can affect almost any business. A guest may be injured at your location. A contractor may damage a client’s property. A product may lead to an injury claim. A customer, vendor, visitor, tenant, or client may bring a claim connected to your business operations.

For companies across Charleston, Mount Pleasant, Summerville, North Charleston, Daniel Island, Johns Island, James Island, West Ashley, and the surrounding Lowcountry, general liability insurance can be an important part of a broader commercial insurance program. It may help respond financially to certain claims involving bodily injury, property damage, personal injury, advertising injury, products, or completed work, depending on the policy terms, limits, and exclusions.

Correll Insurance Group of Charleston helps local businesses review general liability insurance options based on their industry, property use, customer interactions, contracts, operations, and budget.

If you are searching for general liability insurance, business liability insurance, small business liability insurance, or commercial insurance in Charleston, SC, our local independent agents can help you begin the quote process.

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What Is Commercial General Liability Insurance?

Commercial general liability insurance, often called general liability insurance or business liability insurance, is designed to help businesses respond to certain claims made by others. These claims may involve injuries, property damage, products, completed work, advertising injury, or other liability matters described in the policy.

For example, a guest could fall at a restaurant, retail store, office, lodging property, or rental location. A contractor could damage a client’s home during a project. A product sold by a business could be connected to an injury claim. A business’s advertising or marketing activity could lead to certain personal or advertising injury allegations.

Legal defense costs, settlements, and judgments can create a financial burden for a business, even when safety practices and procedures are in place. General liability insurance may help pay certain defense costs or damages for qualifying claims, subject to the policy issued.

Types of General Liability Coverage

A general liability insurance policy may include protection for several common business risks, depending on the policy terms, limits, and exclusions.

• Bodily Injury:  May help address costs related to injuries suffered by another person, including medical expenses, loss of services, or damages connected to an injury.
• Property Damage:  May help respond to claims involving physical damage to another person’s property or loss of use of that property.
• Products-Completed Operations:  May provide liability protection, including damages and legal expenses up to the policy limit, if an injury or damage results from something your company made, sold, installed, repaired, or completed as part of its work.
• Products Liability:  May help your company respond to lawsuits involving product-related injuries or damages.
• Contractual Liability:  May apply to certain liabilities your business assumes when entering into contracts, subject to policy terms and limitations.
• Personal and Advertising Injury:  May apply to certain claims involving advertising injury, reputational harm, or similar allegations listed in the policy.
• Medical Payments:  May help pay certain medical expenses for injuries that happen on business premises or because of business operations, depending on the policy.
• Legal Defense Costs:  May help pay certain legal costs connected to a qualifying liability claim.

For Charleston business owners, general liability insurance can be an important part of a broader business insurance plan that may also include commercial property, commercial auto, workers’ compensation, professional liability, cyber liability, umbrella or excess liability, and other policies.

Review General Liability Options

Every business has different liability exposures. A contractor working on a jobsite, a retail shop in downtown Charleston, a restaurant in Mount Pleasant, a professional office in Summerville, a nonprofit in North Charleston, a hospitality business on the peninsula, and a service company working throughout the Lowcountry may all face different risks.

Correll Insurance Group of Charleston can help you discuss policy options based on your business type, operations, contracts, customer activity, and location.

Get in Touch with Correll Insurance Group of Charleston