General Liability
Protection when your business is blamed for injuring someone or damaging their property.
Get a QuoteWhat it covers
General liability (GL) helps pay for claims that your business caused bodily injury or property damage to someone else, such as a customer, a landlord, or a spectator. It generally includes legal defense costs for covered claims. For fireworks businesses this is usually the coverage landlords, venues, cities and event organizers ask to see before you can set up.
Fireworks examples
- A customer trips over a tent stake or display table at your stand
- A product you sold is alleged to have injured someone after they took it home (products-completed operations)
- Debris or a misfire at a show damages a vehicle or property near the shoot site
- Damage to a rented lot, building or venue caused by your operations
Questions to ask
- Products-completed operations coverage, and whether it applies to the fireworks you sell
- Adding landlords, property owners, cities, fairs or venues as additional insureds
- How quickly you can get certificates of insurance (COIs) for permits and site owners
- Whether display/pyrotechnic operations are included or need separate coverage
- Any exclusions related to fireworks, explosives or specific product types
Coverage varies by policy and carrier. This is a general overview, not a description of any specific policy. Actual coverage, exclusions and terms depend on the policy issued. Talk with us about your operation.
Other coverages: PropertyInland MarineCommercial AutoWorkers' Compensation
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