General liability can protect your business from accidents that cause physical harm to someone other than an employee or damage someone’s property or reputation.
The list of what general liability insurance covers is broad. The coverage can be tailored to fit your needs.
When accidents occur, a general liability policy can help cover related expenses, including medical bills, repairing damaged property, legal fees and court judgments.
Here are a few common general liability claims:
You own a beauty salon, providing expert manicures and pedicures to your customers. One customer slips while getting up from the pedicure chair and injures themselves. They file a lawsuit for medical expenses.
You’re a contractor installing insulation in a homeowner’s attic. You accidentally activate a sprinkler head, setting off a chain reaction that floods the house. The homeowner files a suit for property damages.
You own a health club and decide to promote your business through print advertisements and online but use an image without obtaining permission or purchasing the rights for its use from the photographer. The photographer sues you for copyright infringement.
You own an architectural firm and one of your employees goes online and badmouths a client. The client sues you for defamation, claiming their reputation was harmed.
You own a restaurant and manage a staff of cooks, servers and hosts. One of your chefs doesn’t follow protocol for cooking chicken, causing customers to get food poisoning. Customers file lawsuits for medical expenses.
These uh-oh moments, while disappointing, do not need to be devastating. Here’s how general liability coverage can help you when an accident occurs and you need to file a claim.
Claims can be disruptive, frustrating and scary. It’s unfortunate when an incident arises, but having NEXT in your corner can help ease the process.
Here is what you can expect if you purchase general liability insurance and experience a claim:
Accidents happen. That’s why insurance exists.
If you become aware of a potential claim, it’s important to contact NEXT as soon as possible to avoid delays or complications in resolving the situation.
File a claim by reporting it online. You can also navigate to the Support section on the NEXT website and select “File a Claim.”
To begin, you’ll need to enter the email address or phone number associated with your NEXT account.
Be ready to supply details about the incident:
This information will help verify that the incident falls under the scope of your coverage.
We understand the stress and disruption that a claim can cause. Our claims advocates are here to help you through the process.
After submitting your claim, here’s what will happen:
A NEXT claims advocate is available to help you during the claims process.
Our claims advocates provide dedicated support services through all phases of the claims process – from the initial filing through resolution.
They can help guide you, explain the process and set up a plan to address the next steps. Their goal is to help you resolve the claim as soon as possible.
Your NEXT claims advocate will go through the details that were submitted with the claim and ask follow-up questions to make sure everything is in order. This will help identify any missing materials needed to process the claim.
Your NEXT advocate will provide you with a date when they will reach back out with the next steps. In the meantime, you can follow your claim by logging in to your account.
Once all of the necessary documentation is collected, the claims evaluation process can be quick.
NEXT strives to resolve claims within 48 hours.
The claims process can be quick if it’s easy to show what happened and you have supporting documents.
This is why photos and any paperwork to support the details of the claim are so important. Any uncertainty in these situations can prolong the process.
It’s vital to stay engaged with NEXT to ensure you are properly covered when it matters most.
Here are eight ways to make the process general liability claims process easier for yourself:
A condition of coverage is cooperation and timely notice of claims.
When an accident happens, don’t wait. File a claim right away to move the process forward. You don’t want anything to get missed because of delay.
Get us involved early. For example, if there’s a fire and we don’t know anything about it, and then two years later you get served with a lawsuit, we’ve lost the ability to go and investigate the scene.
That makes it much more difficult to do an initial investigation to help prove you’re not at fault. The evidence just isn’t there anymore.
The same applies to lawsuits. If you get a lawsuit, don’t hold onto it, get us involved immediately.
We do our best to quickly move your claim to resolution, but we need your help obtaining information such as incident details and documentation.
Responding to your NEXT advocate’s requests in a timely manner will help us help you. If you don’t respond to your NEXT advocate, this can prolong the process.
NEXT provides as many communication options as possible. Choose whatever method works best for you: Phone, text, email or online chat.
If your business experiences an incident, immediately contact NEXT so we can help with the investigation and documentation you may need down the line.
If an incident arises and you don’t know whether you should file a claim or not, contact your NEXT advocate and ask for their advice on how you should proceed.
Let us work on the issue for you so you can get back to keeping your business healthy and growing.
If your advocate advises you to file a claim with NEXT, do so from the start, instead of allowing things to escalate.
Before you purchase insurance, take the time to closely review your coverage documents to ensure it includes the coverage you need.
Reviewing the documents and pointing out any red flags or problematic exclusions will help you in the long run.
Remember, NEXT has a free quote process. If you have questions about your business insurance package, contact one our insurance advisors. They’re happy to answer any of your questions.
The cost of your general liability insurance policy will depend on a variety of factors, but in the end, the cost of coverage could be less than the cost of an uninsured accident.
When creating a small business insurance package that fits your specific needs, in most cases, you can add a professional liability policy. (Note: This coverage is included with general liability for some types of businesses.
E&O insurance can help if you or your business is accused of making a mistake, not when an accident occurs.
For example, let’s say you knock over a vase onto a rug. That was the accident. But you decide to clean the rug, and the solution you use damages it. That was the mistake.
When in doubt, add professional liability to your coverage for more protection to your business.
Even if you don’t know exactly what you need, call, text, email or chat to get help from our insurance advisors.
We’re here to help. Ultimately, our mission is to help entrepreneurs thrive.
We try to make the claims process as easy as possible so you can get back to focusing on growing and managing your business.
NEXT makes the liability claims process easy so owners like you can focus on growing your business instead of worrying about an unfortunate accident.
We make it easy to file a claim and follow it through the review process.
Resolving claims quickly is the endgame to getting your business moving forward.
New customers can start a free quote today, and NEXT General Liability customers can file a claim within minutes.
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.