General Liability Insurance

General Liability Insurance

Why is it Important?

Commercial General Liability, or CGL, is insurance to cover business liabilities like bodily injury, injuries on the business premises, property damage caused by the business’ operations, etc.

Good liability risk management can reduce the chances that your business will be sued, but it can never eliminate the risk entirely. You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.

Depending on the degree of harm and the number of people injured and/or value of property damaged, a lawsuit could bankrupt your business. Even if your organization is ultimately cleared of any wrongdoing, a determined plaintiff can keep you tied up in legal proceedings for a long time, entailing significant cost to defend yourself. Liability insurance pays the cost of your defense and protects your assets.

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There are two main types of CGL insurance:

  1. A claims-made policy covers claims no matter when the loss occurred.
  2. An occurrence policy covers claims when the loss occurs within a specific, predetermined period of time.

As with most other forms of comprehensive insurance, CGL will not cover all the costs which could afflict your company. Additional coverage can be purchased to mitigate the risk of exposure to sexual harassment settlements, discrimination lawsuits, wrongful termination lawsuits, any costs associated with potential product defects and recalls, erroneous financial reporting statements, coverage for damages resulting from actions taken by officers of the company, etc.   

If you own a business, you know how important it is to protect what you’ve worked so hard to build. People make mistakes, and you can never be sure what’s just around the corner. With Commercial General Liability insurance, you can be sure that you’re prepared for it.

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for over 10 years!

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Meet The Experts

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Jodie Enenbach-Moreno

Agency Owner & Licensed Agent

Jodie Enenbach-Moreno is the owner of Smart Insurance Solutions®. Prior to opening her agency in 2013, Jodie worked for Blue Cross Blue Shield of Nebraska and Mutual of Omaha in service, sales and marketing. Her passion for client education motivated her decision to open an independent agency here in Omaha. Jodie hosts educational classes throughout the year on the radio, for community groups, financial advisors and the general public.

With over 15 years of insurance experience, Jodie spends many hours refreshing product knowledge, renewing certifications for government programs (Medicare & Marketplace) and staying on top of regulation changes. For additional compliance and support, Jodie has a long-standing relationship with Preferred Marketing Associates.

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Rebecca ‘Becky’ Rosales

Licensed Agent

Licensed Agent & Operations. Becky has been with Smart Insurance Solutions® for over 4 years and is a wonderful asset to the team.

She supports the agency in customer service, bookkeeping and insurance sales. Becky is from Omaha and has decades of support and leadership experience

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Cristal Briceño Rios

Front Desk Associate

Cristal’s background is in nursing and most recently worked for a pharmaceutical benefit management company before joining our team. Cristal is a great asset to our team in supporting the front desk area and other administrative duties.