What is general liability insurance?
General liability insurance is typically the first insurance coverage a business seeks. It provides coverage for any third-party injury, property damage, and the ensuing lawsuits that may occur due to these incidents. Common cigar liability insurance policies help pay for third-party bodily injury claims, property damage claims, completed products claims, faulty workmanship claims, personal and advertising injury claims, and immediate medical expense claims, as well as legal fees associated with lawsuits from any of these claims.
Why do you need general cigar liability insurance?
While most tobacconists do not expect things to go wrong, accidents do happen. Injuries on your property could happen at any moment. A customer could slip and fall in your parking lot. Personal and advertising injury claims could be a result of your website’s privacy policies not coinciding with your digital marketing efforts. Any number of unforeseen incidents at your cigar shop can lead to a lawsuit.
Costs associated with bodily injury claims, property damage claims, completed products claims, faulty workmanship claims, and personal and advertising injury claims are astronomical. Add legal fees on top of that and it could mean shutting the doors to your cigar lounge forever.
General liability is important for any business that has customers on the property, performs at a job site, rents/leases office space, sells products, handles third-party property, uses social media, has a website, and/or markets their company.
General Cigar Liability Insurance Through Cigar Insurance USA
Nobody wants to find their business on the wrong end of a lawsuit. But, accidents are inevitable and mistakes must be paid for. Rest easy knowing that your cigar store is protected in the event that you find yourself in a general liability claim. Our insurance experts at Cigar Insurance USA are here to discuss your liability insurance needs and find the right policy to protect your company. Our specialists customize policies to fit all cigar businesses. Call IPCPR’s preferred insurance provider today at (877)CIGAR-17.