Commercial General Liability

Adequate General Liability Insurance, also referred to as Business Liability Insurance, is the only way to effectively protect your business from damages involving bodily harm or property damage for which your company is found legally liable.

Typically, this coverage extends to include other physical injury, personal injury (libel or slander), advertising injury and property damage caused by your products, premises or operations.  Some General Liability Insurance plan also additional coverage, such as if you are held accountable for damage to your landlord’s property. General Liability Insurance safeguards against liability, which enables you to continue normal operations while dealing with real, or fraudulent claims of wrongdoing.

Depending on your coverage, your plan may include:

  • Automatic additional insured: Coverage is provided for written contracts, agreements and permits.
  • Personal and advertising injury: Protects against offenses made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements.
  • Defense costs: Provides coverage for legal expenses for liability claims brought against your business, regardless of who is at fault.
  • Medical expenses: Provides coverage for medical expenses if someone is injured on your premises or by your products.
  • Premises and operations liability: Provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with your business operations.
  • Products liability: Provides coverage for bodily injury and property damage sustained by others as a result of your products.

It is important to note that General Liability Insurance does not cover employee injuries, auto accidents, or intentional acts.

It is imperative to discuss your business, services, products and operations with an experienced Insurance Agent to ensure there are no gaps left by your General Liability Insurance Plan.  The amount of coverage your business needs depends on a variety of factors, including Risk, Location, and Industry. 

Additional Resources

Contact Us

Craig Concklin
Craig Concklin

Craig Concklin
President

Craig Concklin, CIC, a graduate of Denver University and an esteemed insurance professional since 1981 became an owner of Concklin Insurance Agency in 1993. With vision and forward thinking, Craig Concklin has tripled its sales to $22 million. The firm’s sustained investment in state-of-the-art computer systems, integrated accounting and marketing programs, and creation of national insurance programs for various industry groups has made Concklin an industry leader. Craig’s knowledge and stellar reputation in the insurance industry continues to benefit his clients and enhance the presence of Conklin Insurance in the marketplace. He is currently a Pekin Insurance Board Member.

craig@concklin.com

Michael Mormando
Michael Mormando

Michael Mormando
Insurance Agent

Michael, originally from New York and a graduate of the University of Denver, enjoyed a long tenure in the hospitality industry as a restaurant owner/operator, prior to joining Concklin Insurance. Michael gained a unique perspective of understanding and appreciating the ongoing difficulties in what today’s economic environment brings to everyday business people. Starting his insurance career, Michael felt his natural customer service talents would work best assisting business owners in managing their insurance programs effectively to ensure proper coverages and very competitive premiums available through Concklin Insurance.

michael@concklin.com

Michael O'Donnell
Michael O'Donnell

Michael O'Donnell
Insurance Agent

Michael O’Donnell joined the Insurance Industry after graduating from Eastern Illinois University with a Finance Degree in 1992 and became a producer at Concklin Insurance Agency in 1995.  Mike specializes in insuring restaurant and Franchise business and has worked with franchisors to establish proper insurance requirements are established for their franchisees. He takes a hands-on approach to insurance and understands his clients’ diverse needs. Mike provides the caring expertise required to review and customize an insurance program that provides his clients with excellent coverage while balancing budgetary concerns.

mikeo@concklin.com