Ohio General Liability Insurance

You're likely familiar with General Liability Insurance (GLI) in Ohio, but if you're not, it's an important type of coverage that can protect you and your business from a variety of risks.

GLI is designed to help protect businesses against third-party claims for bodily injury, property damage, personal injury (libel and slander), advertising injury, and other claims that the business may be legally liable.



In Ohio, general liability insurance is sold as a package policy that includes coverage for both liability and property damage. This type of insurance can cover expenses due to medical bills, court costs, settlements or judgments arising out of claims made against you or your business. It will also protect you in the event of a lawsuit by providing defense costs, judgments and settlements.

At Bellwether Insurance Agency, we understand the importance of having the right coverage in place. We offer the best deals on general liability and commercial insurance for businesses in Ohio and can help you find the perfect policy that covers your specific needs.

Our experienced team will work with you to assess your business' risks and create a comprehensive policy that provides protection from potential liabilities. With our expert advice and guidance, you can rest assured that you’ll have the right coverage in place to protect your business.

Whether you're a small business just starting out or an established company looking for more comprehensive coverage, Bellwether Insurance Agency has the perfect general liability policy for you. Contact us today for more information about our policies and to get the best deal on general liability insurance in Ohio.

You probably need General Liability Insurance in Ohio if you are:

• An industrial, manufacturing, or engineering company.
• A contractor, including plumbers, electricians, and general builders.
• A wholesaler or distributor of goods.
• A real estate agent or broker.
• An independent consultant or freelancer.
• An IT professional providing services to customers.
• A restaurant or cafe running a storefront operation.
• An event planner, such as a wedding planner or caterer.
• A retail shop owner, in-home business, or online business.
• An architect or interior designer.
• A fitness instructor providing classes to clients.
• An accountant or financial advisor offering services to customers.
• A tradesperson such as a carpenter or a plasterer.
• A professional offering services such as web design, marketing, or copywriting.
• An artist running a studio or working on a freelance basis.
• Any business offering goods or services to the public that may be legally liable for claims made against them.

Other groups that may need General Liability Insurance in Ohio include small business owners, landlords, and non-profit organizations. It is important to check the specific coverage of your policy before making a purchase so that you are adequately protected against potential liabilities.

As mentioned above, General Liability Insurance in Ohio provides broad coverage for a wide range of potential liabilities. Businesses can customize their policies to meet their specific needs, but the following are some of the most common coverages offered by a GLI policy:

Bodily Injury to Third Parties

Bodily injury is a legal term that refers to any damage to a person's physical condition, including pain, illness, or resulting death. Some examples of bodily injuries are:

• Cuts, abrasions, bruises, burns and lacerations.
• Disfigurement.
• Impairment of the function of a bodily member, organ or mental faculty.
• Internal bleeding.
• Broken bones and fractures.
• Physical pain.
• Illness.
• Animal bites.
• Electrical injuries.
• Wounds caused by accidents, surgery, sutures or stitches.

Bodily injuries can happen in various situations, such as at work, at home, on the road, or in public places. Depending on the circumstances, the person who caused the injury may be held liable for the damages and have to pay compensation to the victim. General Liability Insurance in Ohio covers bodily injury claims, so that your business can be protected in these types of situations.

Third-Party Property Damage

Property damage is any physical destruction or loss of tangible property caused by an accident or negligence. Some examples of property damage covered by a general liability policy are:

• Fire and smoke damage.
• Flooding.
• Structural damage caused by accidents such as a car crash or building collapse.
• Damage to furniture, fixtures, appliances, and electronics.
• Theft and vandalism.
• Injury to trees, shrubs, and plants.

With general liability insurance, you can be protected against third-party property damage claims. This coverage can help to cover the costs of damages and repairs if a customer or visitor to your business suffers from any kind of property loss due to an accident or negligence on your part. General liability insurance does not cover the policyholder’s commercial property damage.

Medical Expenses for Third Parties

In addition to covering bodily injury and property damage claims, General Liability Insurance also covers medical expenses for third parties. This coverage is designed to cover the costs of medical treatment in the event that someone is injured on your business premises or as a result of an activity you are responsible for. The costs covered by this type of coverage may include hospital bills, X-rays and other tests, medicines, and medical supplies.

Personal Injury to Third Parties

General Liability Insurance also covers claims for personal injury to third parties. This coverage is designed to protect you from legal action taken against your business if someone believes that you have caused them emotional distress or mental anguish due to an act or omission on your part. Examples of this type of coverage include libel, slander, invasion of privacy, wrongful eviction or false arrest.

Advertising Injury Liability

Advertising injury liability is designed to protect your business from claims arising out of false or misleading statements made in advertisements. This coverage covers claims such as libel, slander, and copyright infringement that result from the use of advertising materials.

Ohio General Liability Insurance can provide peace of mind and financial security for businesses of all sizes. It covers a wide range of potential liabilities and helps to ensure that you are protected against claims that may arise from accidents, negligence, or other circumstances.

General Liability Insurance in Ohio may come in different packages, depending on the type of business you operate and your individual needs. For example, some policies may include coverage for employee injuries or property damage resulting from professional services such as business consulting or design work. Other policies may offer protection against product liability claims arising out of the sale of goods.

No matter what type of business you operate, having the right General Liability Insurance in Ohio can make a big difference. By providing financial protection against claims arising from accidents, negligence, or other liabilities, it can help to ensure that your business is able to weather any unexpected legal costs that may arise.

Without General Liability Insurance, a business can be exposed to significant financial risks. Claims resulting from accidents, negligence, or other liabilities can quickly add up and cause serious damage to your company’s bottom line. In addition, if you are sued for damages related to one of these claims, you may be forced to pay out a large amount of money in legal fees and court costs.

For example, if someone slips and falls on your business premises or is injured due to the use of your products, you could be held liable for those injuries. Without General Liability Insurance, you would be responsible for paying any medical expenses related to the injury as well as compensation for any pain and suffering endured by the injured party. This can quickly add up to thousands of dollars in damages, leaving your business financially vulnerable.

Another example is if a customer were to make a false claim that your company had falsely advertised or breached a contract. Without General Liability Insurance, you would be solely responsible for any legal fees associated with defending these claims. This could result in a hefty bill that your business would be responsible for covering.



By having general liability insurance in place, you can rest assured knowing that your business is protected from a variety of potential financial losses. This type of coverage can provide peace of mind and help protect your business from any unexpected legal costs that may arise.

For coverage of up to $2 million per occurrence, Ohio General Liability Insurance can cost between $500 and $1,000 annually. The exact cost will depend on the type of coverage you select and the size of your business. It’s important to keep in mind that the more comprehensive your coverage, the higher your premium may be. You can lower your premiums by raising your deductible and reducing the limits of your coverage.

The skilled agents at Bellwether Insurance Agency are waiting to help you compare Ohio General Liability Insurance quotes and find the best policy for your business. Our team can help you assess your company’s unique needs and select a coverage package that is tailored to meet them. Contact us today to learn more about our services or request a free quote. We look forward to hearing from you!