General Liability Insurance Claims

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General liability insurance, also known as commercial general liability insurance, helps protect businesses from claims that it caused bodily injury or property damage to others. We can help you understand all there is to know about general liability insurance claims, such as:
  • Types of Claims
  • How To File a Claim
  • Filing a Claim With The Hartford
  • Preguntas frecuentes

Types of General Liability Claims and Examples

Types of general liability claims General liability insurance is an essential type of business insurance. Most common general liability claims can up come during normal operations. Read about these four general liability insurance examples, but be aware that they’re for educational purposes and actual policy coverage may differ:

1. Property Damage Lawsuit

Su catering business is providing food for a wedding. After setting up the chafing stations for the hot food, one of the flames sets a tablecloth on fire, destroying the table and causing significant damage to the wall behind it. The venue sues your business for damages. Your general liability insurance policy may help cover the costs associated with the property damage.

2. Slip and Fall Incident

One of your photography business customers slips and falls in your business after you’ve mopped the floor. They end up breaking their ankle and need two surgeries to recover. They sue your business for medical costs. Your general liability coverage could help cover this bodily injury claim.

3. Product Liability Lawsuit

You recently expand your coffee shop to sell coffee pots and coffee beans. However, after a customer buys a pot from you, they get burned from hot water because of a faulty design. They sue your business to cover their medical bills. We include product liability insurance in our general liability insurance policies. So, if a product you sell hurts someone or damages their property, your product liability insurance may help provide coverage.

4. Customer Injury Lawsuit

A customer at your medical office trips over an extension cord on the floor in the waiting room. They go to an urgent care center for treatment where they’re diagnosed with a broken hand. Your customer sues you to help recover their treatment costs. With general liability coverage, this kind of claim and lawsuit may be covered.
General liability insurance gives you peace of mind knowing you have the right protection for unpredictable moments. It could even help your business from having to close the doors from any future lawsuits.

How To File a General Liability Claim

Follow these steps to file a general liability claim:

1. Contact Your Insurance Agent or Insurance Carrier

When you find out about an incident or if there’s an injury at your business, contact your insurance agent or carrier as soon as you can. If you don’t, it can cause a delay in the claim getting resolved.

2. Collect Information

Your insurance company will need to know some basic information about your business and general liability coverage. Before contacting your insurer, make sure you have the following information handy:
  • Su nombre
  • Your business’ name
  • General liability insurance policy number
  • Claim information
This is also the time to ask questions about the claim process. Whether you’re wondering how long it can take or if you need to provide more information, ask your insurance representative for answers.

3. Document Everything

If you’re contacted by the third party that’s suing you or filing a claim against your business, keep track of it. Any messages or correspondence with the third party should be recorded.
It’s also a good idea to do the same thing with conversations between you and your insurer. That way, you have documents and information that you can reference if needed.

4. Decide How To Resolve the Claim

If a claim turns into a lawsuit, you’ll have to think about how to resolve it. This can mean trying settle, arguing for a dismissal or going to court for a trial.

How To File a General Liability Claim With The Hartford

Presentar una reclamación en The Hartford es fácil. You can report your claim using our online general liability claim reporting form. It shows you how to file a general liability claim and allows you to take your time and collect all the necessary details you need to complete the claim process.
To report your claim, we’ll need your:
  • Policyholder information. This includes your name, contact information, policy number, type of coverage, information on your policy limits and more.
  • Knowledge of how the accident or loss occurred. This can include details about injuries, witnesses, damages and when the incident occurred.
After you provide this information, our entry screens will prompt you for the rest of the information you need. As you go through them, you only need to fill out the information that you know.
You can also call our Claims Center for assistance at any time. We’re open 24 hours a day, seven days a week and can be reached at 800-327-3636. Our representatives will be happy to answer any questions you may have regarding the claims process.

Common Questions About Liability Insurance Claims

What Is a General Liability Claim?

General liability insurance claims involve bodily injury or property damage to others. These are common types of claims and risks that small business owners face.

How Do General Liability Insurance Claims Work?

General liability insurance covers bodily injuries and property damage claims that your business may have caused. If someone reports a claim or sues your business for one of these reasons, your general liability policy can help pay your costs to respond to it.

Why Get General Liability Insurance From The Hartford

We’ve been helping customers out of tough situations for more than 200 years. Whether property gets damaged, someone gets hurt or someone claims you slandered them, we’ve got your back.
Our specialists understand the risks and challenges that your small business faces. They can help you choose the right general liability insurance protection for your business’ specific needs. Together, you’ll find the protection that is best for your business.
If you’re looking for general liability insurance coverage, obtener una cotización today in just a few minutes and see how we can help protect your business.
Last Updated: February 22, 2023
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