General Liability
General liability insurance for a smoothie shops and franchises provide coverage for common risks faced by the business, such as third-party bodily injury, property damage, and legal claims that arise from accidents or incidents occurring on the smoothie's premises or because of its operations. This type of insurance is a foundational policy, protecting them from financial losses due to lawsuits or claims made by customers, vendors, or the public.
What We Offer
Bodily Injury
Covers medical expenses and legal costs if a customer or other third party is injured on the smoothie’s premises or at events hosted. For example, if a patron slips and falls, general liability insurance can cover their medical bills and any legal claims.
Property Damage
Provides coverage for damage caused to someone else’s property by the smoothie’s operations. For instance, if the smoothie’s equipment or employees accidentally damages a customer’s property or a neighboring business, this insurance can help cover the repair or replacement costs.
Product Liability
Protects the smoothie business from claims arising from the consumption of its food and ingredients, including instances where a customer becomes ill or claims injury due to a contaminated or defective product. This coverage is essential, as product liability claims can be costly.
Advertising Injury
Covers claims related to advertising and marketing practices, such as allegations of defamation, copyright infringement, or false advertising. If the smoothie business is sued for using another company’s trademark in an advertisement or marketing material, this insurance can help cover legal defense costs.
Legal Defense Costs
General liability insurance also covers the legal expenses of defending the smoothie business against covered claims, even if the claim is groundless or dismissed.
