Seguro general contra terceros

Seguro para negocios

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What Is General Liability Insurance Coverage?

general liability insurance General Liability Insurance coverage (GL) helps protect your business from property damage claims, bodily injury claims and personal and advertising injury claims that could put your business assets at risk.
 
Commercial General Liability insurance (CGL), also known as Business Liability Insurance or General Liability Insurance provides coverage for customer injuries, damage to others' property, and lawsuits. It can help pay for medical expenses as well as legal costs if an incident leads to a lawsuit.
 
Consider The Hartford for your Commercial Liability Insurance, it offers some of the broadest business insurance coverage available today.
 

What Does Commercial General Liability Insurance Cover?

Commercial General Liability insurance helps protect businesses and their employees from the risk of lawsuits involving claims of bodily injury, property damage, libel, slander, false advertising and more.

For example, Commercial Liability Insurance coverage can help cover the costs related to claims of:
 
  • Bodily injury or property damage – for claims that your business caused someone bodily harm or damaged someone's property.
  • Reputational harm – for claims of malicious prosecution, libel, slander, wrongful eviction, violation of the right of privacy and more.
  • Advertising errors – for claims of false advertising or copyright infringement in your advertisements.
  • Gastos médicos: para ayudar a cubrir costos médicos si una persona sufre una lesión en su negocio.
  • Damage to rented property – if property you rent is damaged by fire, lightning or explosion.
Commercial Liability Insurance from The Hartford provides some of the broadest business insurance coverage available today. General Liability is one of the coverages included in our Póliza para propietarios de empresas and it is also available as stand-alone coverage.
 

How Much Does General Liability Insurance Cost?

general liability business insurance El costo de la prima de la póliza del seguro general contra terceros (GL) varía considerablemente según el negocio. Several factors are baked into the calculations that ultimately determine a business's GL policy premium. These factors include the type of business – as you would imagine, companies in higher risk industries, like construction for example, are charged higher premiums than lower risk businesses, like consulting companies.
 
Other factors that figure into a premium rate calculation include the years of business experience in the industry, where more experience may equate to lower rates; and the location, size and condition of your business premises. A veces su historial de reclamaciones de seguro también pueden considerarse un factor.
 
Luego entran los detalles específicos de la póliza, que también afectan su tasa como los límites de cobertura; los límites de cobertura más altos cuestan más. Por otra parte, optar por deducibles más altos puede ayudar a reducir el costo de las primas.
 
To learn more about what a General Liability Insurance policy will cost your business; get a free GL quote en línea.
 

Why Do You Need General Liability Insurance?

business liability insurance Many business owners wonder why they need General Liability Insurance and the answer is simple; you need GL insurance to help protect your business from the potentially devastating costs of liability claims that may arise from even the most common business situations. These include: if you or your employees represent your client's business, meet with clients face-to-face, work on or with others' property, or use third-party locations for business activities. You'll also want GL if you need protection for advertising injury lawsuits or have clients or customers who require proof of insurance before signing into a contract. Get a GL quote .
 

¿Qué es un seguro general contra terceros especializado?

commercial liability insurance El seguro general contra terceros especializado (SGL) está diseñado para exposiciones de responsabilidad "de alto riesgo" que normalmente involucran productos exclusivos, servicios y riesgos en el predio. Our SGL group includes underwriters, risk engineering consultants and liability claims specialists who are experienced in hard-to place and special products and premises risks. Ofrecemos soluciones para fabricantes, distribuidores mayoristas e importadores de productos de difícil comercialización, así como también otros con exposiciones de responsabilidad general únicas o difíciles. Nuestra cobertura de responsabilidad general especializada y servicios están diseñados para brindar una solución total, en forma independiente o combinada con otras soluciones de The Hartford. Nuestra cobertura ayuda a proteger contra daños de terceros y costos de defensa además de otras exposiciones a altos riesgos.
 
 

Extended Business Liability Insurance Coverage & Risk Engineering

  • Extending Your Coverage – If a contract requires a business to add individuals/entities to its business liability insurance coverage, The Hartford helps make it easy to add them to the policy.
  • Improve Safety and Reduce Risk – One of the best ways to avoid a lawsuit is to run the safest business possible. The Hartford's Ingeniería de riesgo group is part of our General Liability Insurance policy team and can help with one-on-one risk management consultations and safety seminars. Además pueden encontrar formas para que las empresas ahorren dinero con descuentos en servicios como la instalación de equipos de seguridad y la adopción de las mejores prácticas.
Ready for a GL quote? Learn more about how you can tailor your seguro de negocio.
 

Is Business Liability Insurance Required by Law?

Business Liability Insurance is not usually required by law but can protect your business and personal assets from being taken in a judgement against you or as a tenant if you cause damage to a property you rent. Some states require coverage when applying for professional licenses such as a plumber's license or an electrician license.
 

More Answers to Frequently Asked General Liability Insurance Questions

 
 

Comentarios sobre reclamaciones de clientes de seguro general contra terceros

Sobre los comentarios de nuestros clientes

The Hertford publica los comentarios para que pueda leer las experiencias reales que nuestros clientes han compartido. Los comentarios de este sitio son descripciones individuales de los costos, los montos de ahorros y las experiencias de nuestros clientes con respecto a nuestros productos y servicios que varían dependiendo de circunstancias únicas. Tenga en cuenta que cada comentario se presenta en su forma original luego de haber sido revisado por The Hartford. Los comentarios no representan a todos los clientes.

Guía de los comentarios

The Hartford publica los comentarios para que los visitantes puedan aprender de experiencias reales que han compartido nuestros clientes.

The Hartford aplica diversas pautas para considerar la publicación de los comentarios de los clientes en nuestro sitio web.

Por lo general, los comentarios se publican si son relevantes para las experiencias y si no son difamatorios.

Si bien la aplicación para publicar pautas es un proceso subjetivo, los siguientes son motivos frecuentes para evitar la publicación de un comentario:

  • El lenguaje u oraciones despectivas, abusivas, amenazantes u ofensivas impedirán que el comentario sea publicado.
  • Para proteger la privacidad de nuestros clientes y la de nuestros empleados y socios comerciales, las reseñas que tengan información personal identificable no serán publicadas.
  • No publicamos comentarios que citen primas exactas o valores acordados.
  • No publicamos comentarios que incluyan la descripción de actividad ilegal o referencias a litigios actuales o pendientes.
  • No editamos, corregimos o modificamos las calificaciones, sin importar su contenido o tono.
 

Seguro general contra terceros

Is your business protected from property damage, bodily injury and personal and advertising injury claims? Watch this short video to learn more about our general liability coverage.
Seguro general contra terceros
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including issuing company, Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In CA by Sentinel Insurance Company, Ltd. (CA license # 8701) and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.