By Liberty Union Insurance Group, Inc. · Updated
Illustrative scenario · Not a reported client claim
01
The accident
A contractor leaves equipment near a customer walkway. The customer trips, falls and alleges that the contractor caused the injury.
02
The potential cost
Medical expenses, missed work and a liability demand can follow. Even a disputed allegation takes time and attention to resolve.
03
With relevant coverage
General Liability may address covered third-party bodily injury claims and defense obligations under the policy. Facts, exclusions and policy conditions matter; payment is not automatic.
04
Without relevant coverage
The business may have to fund its defense and any liability it owes. A certificate requested after the accident cannot create retroactive protection.