General Liability Insurance

Unfortunately, we live in a society that is becoming more litigious by the minute. If you think your company is unlikely to face a claim for a million dollars or more, think again. Imagine the time, money, energy and other resources that would be depleted if you had to fight against a claimant on your own. That’s time better spent running and growing your business.

That’s where the General Liability policy comes in. We call general liability the superhero of insurance because it protects your company’s assets and pays for obligations — medical costs, as the most common example — incurred if someone gets injured on your property or if you or an employee causes damage to someone else’s property. In the event that you are served with a lawsuit, this policy will provide coverage for a settlement up to the policy limit for any covered loss, and defense costs are typically covered outside of the policy’s limits.

General Liability can protect your business against:

  • Injuries to others including slip-and-falls
  • Damages to a rented/leased premises
  • Damages to others’ property
  • Lawsuits arising out of your completed operations
  • Suits alleging false or misleading advertising, libel, and slander
  • Claims of copyright infringement

Coverage is available as a stand-alone policy or included in a Business Owners Policy (BOP) or bundled into a Commercial Package Policy. Coverage, such as those mentioned above, vary and may not be available on all policies.

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Your Commercial & Small Business Insurance Team

"I’m very grateful for the depth of knowledge possessed by our team at M&M Assurance, and their excellent commitment to customer service. Knowing that they are handling our risk management means I am freed up to focus on our restaurant and our guests."

Nora Mulkern-Bean, The Shannon Door Pub & Restaurant

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Internet Defamation – Words Have ...

Social media is a great way build your business’s reputation. Interactivity between merchants and customers has helped many unheard of boutique shops become Internet darlings with maxed out sales. However, fostering social media on your website or participating in social media on another’s blog can be dangerous.

The danger is Internet Defamation.

What is Internet Defamation?
Defamation is when a person makes false statements about your business such as stating that you use discriminatory practices in hiring, or you use dishonest practices dealing with your customers. Making statements like these and putting them on the Internet for anyone and everyone to see is libel. There are important elements for a statement on the Internet to earn the label of a defamatory.

  • The person who published the statement was not the person defamed
  • The statement is a false statement of fact
  • The false statement was understood to be:
    • About the plaintiff and
    • Designed to harm the reputation of the plaintiff
  • Should the plaintiff be a public figure he or she must also prove malice.

Businesses with a presence on the Internet, especially if the Internet site encourages comments and dialogs among visitors need to be especially vigilant monitoring about what other users post on their site. There is a powerful federal law known as Section 230 of Title 47 of the United States Code (47 USC § 230). This federal law is part of the Communication Decency Act of 1996. This law has precedence over any local or state laws and protects owners of interactive computer service providers from claims of defamation from postings made through reader’s comments and entries of guest bloggers. In other words, this law gives you, as a web host, protection from claims made from hosting information written by third parties.

Then why should a business watch what third parties say on their site? This is a valid question. You want your site and blogs to promote your brand, not distract from that purpose by allowing a “flame war” on your sites.

Allowing an offensive statement to stay on your site — even when written by a third-party — is off-putting to potential clients and customers.

Imagine: your own employee gets baited into a discussion and tries to defend your business. He then engages in Internet Defamation costing you customers and even cash if a lawsuit against you goes to court. Words have power.

Insurance for Internet Defamation
Even though the Section 230 language and the truth – if what you said is true it is not libel – help keep the threat of you being successfully sued for Internet Defamation lower, it is a risk that your insurance advisor can cover through your BOP policy, your General Liability Insurance, or an Umbrella Policy.

Talk with one of our risk specialists to understand your exposures and the best way to cover them with insurance.