Liability insurance protects from customer injury claims

Customer injury claims can pose significant legal and financial risks for businesses of all sizes. General Liability (GL) insurance is your frontline defense—it not only covers costs but also preserves your reputation and operational stability. Here’s how GL shields you effectively—and why partnering with THAgency ensures you’re fully protected.

1. Coverage for Bodily Injury Liability

If a customer is injured on your premises—or due to your activities—GL insurance steps in to cover:

• Medical treatment and hospitalization costs

• Emergency services like ambulance fees

• Potential legal settlements if the claim escalates

This coverage ensures you aren’t personally liable for thousands—or even millions—in injury claims.

2. Covers Immediate & Ongoing Medical Claims

GL doesn’t just pay for immediate actions but also addresses:

• Rehabilitation and physical therapy

• Long-term care needs if needed

• Lost wages or income replacement if the injury affects employment

By doing so, it protects both your customers’ wellbeing and your business finances.

3. Legal Defense & Settlement Costs

Even if a claim lacks merit, defending it can be expensive. GL insurance helps by:

• Covering attorney fees, court costs, and related expenses

• Providing coverage for settlements or judgments

• Ensuring your business has a strong legal advocate

Without GL, mounting a defense could sink your business or bankrupt you.

4. Supports Reputation & Customer Trust

Responding promptly and responsibly to injury claims shows concern for customer welfare—and enhances trust. GL helps:

• Address claims quickly and professionally

• Demonstrate responsibility to future customers

• Protect your brand reputation from legal fallout

5. Essential for Risky Operations

Certain businesses have higher exposure to injury claims, such as:

• Retail spaces with slippery floors

• Gyms and fitness studios where physical accidents are common

• Restaurants with hot surfaces and spills

• Construction sites where debris and equipment can harm visitors

If your business involves any public interaction, GL isn’t optional—it’s essential.

6. THAgency Delivers Customized GL Coverage

THAgency specializes in aligning GL insurance to protect against customer injury risks:

• We analyze your premises and operations to determine proper limits (commonly $1M/$2M or higher).

• We help add relevant endorsements such as premises liability or contractual liability.

• We bundle GL with commercial auto, workers’ comp, and umbrella policies for comprehensive protection.

• As your business grows, we proactively reassess your policy to match changes in operations and exposure.

Final Takeaway

Customer injuries can happen in any business—but GL insurance ensures you don’t pay the price. From covering immediate medical bills to funding your legal defense and maintaining your reputation, a solid GL policy lets you operate confidently and responsibly.

Protect Your Business From Injury Claims Today

Get a free, tailored quote from THAgency now. We’ll match you with a GL policy that addresses your specific risks—so you can focus on what matters: serving your customers safely.