Liability CoverageProtect Your Business
Comprehensive protection against third-party claims for bodily injury and property damage. Legal defense included. Your business stays protected from costly lawsuits.
Liability Coverage Levels
Choose coverage limits based on your business size and risk exposure
General Liability
- Third-party bodily injury
- Property damage claims
- Medical payments
- Legal defense costs
Standard Liability
- Everything in General
- Products liability
- Completed operations
- Personal & advertising injury
- Fire legal liability
Aggregate Liability
- Everything in Standard
- Aggregate coverage per location
- Excess liability protection
- Contractual liability
- Host liquor liability
- Umbrella coverage
Real Liability Scenarios
See how liability coverage protects businesses from costly claims
Equipment Malfunction
Treadmill malfunction causes member fall
Claim Breakdown
Property Damage
Member damages neighboring property during class
Claim Breakdown
Slip & Fall Lawsuit
Visitor slips in lobby, files lawsuit
Claim Breakdown
How Liability Claims Work
From incident to resolution, we handle everything
Incident Occurs
Third party is injured or property is damaged during your business operations. Document the incident immediately with photos and witness statements.
Report to Insurance
Submit claim through your Daily Event Insurance portal within 24-48 hours. Faster reporting leads to faster processing and better outcomes.
Investigation
Insurance adjuster reviews the claim, interviews parties involved, and assesses damages. You'll be kept updated throughout the process.
Defense & Settlement
Legal team handles all negotiations and defense. Claims are settled or defended in court. You're protected throughout the entire process.
Common Liability Claims
Understanding the most frequent claims and how to prevent them
Slip & Fall
45%Prevention Tips
Regular floor maintenance, warning signs, proper lighting
Equipment Injury
25%Prevention Tips
Regular equipment inspections, safety training, proper supervision
Property Damage
20%Prevention Tips
Clear boundaries, proper storage, activity restrictions
Professional Negligence
10%Prevention Tips
Proper certifications, waivers, documented procedures
What's Covered
- Third-party bodily injury claims
- Property damage to others' property
- Legal defense costs and attorney fees
- Court costs and settlements
- Medical payments to injured parties
- Products liability (if applicable)
- Completed operations coverage
- Personal and advertising injury
- Fire legal liability
- Host liquor liability (if included)
Not Covered
- Intentional acts or criminal behavior
- Contractual liability (unless specified)
- Professional errors & omissions
- Employee injuries (workers' comp)
- Pollution or environmental damage
- Auto liability (separate policy)
- Cyber liability claims
- Employment-related claims
- Expected or intended injury
- War or terrorism (unless covered)