General Liability
What is it?
Frontier Risk's General Liability Insurance protects cannabis cultivators, manufacturers, and dispensaries against third-party claims.
Why is it important?
General Liability Insurance is crucial as approximately 300,000 personal injury claims are submitted annually in the United States. Additionally, over 40% of small businesses are expected to face a general liability claim within this decade. State laws and commercial leases often mandate general liability coverage for cannabis businesses, underscoring its importance in protecting against potential risks and legal requirements.
What does it cover?
Bodily Injury Coverage
Protects against claims for bodily injury to third parties caused by your business operations, products, or premises and covers medical expenses, legal defense costs, and potential settlements or judgments.
Property Damage Coverage
Provides coverage for third-party property damage caused by your business operations, products, or premises.
Completed Operations Coverage
Extends coverage to claims that arise from completed projects, services, or products.
Products Liability Coverage
Protects against claims related to injuries or damage caused by products you manufacture or sell.
Why Frontier Risk?
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Common Questions
General liability insurance typically does not cover professional errors or mistakes. You would need professional liability insurance, also known as errors and omissions (E&O) insurance for professional errors. It will protect your business against claims of negligence and errors.
General liability insurance does not cover employee injuries. Instead, it's designed to protect your business against claims from third parties, such as customers or visitors, who are injured on your premises or as a result of your business operations. For employee injuries, you would need workers' compensation insurance.
General liability insurance is essential for businesses of all sizes as accidents and liabilities can occur regardless of the business's scale.