What Is Covered Under a General Liability Insurance Policy?

General liability insurance is essential for businesses to protect against various risks. It covers common liabilities such as bodily injuries, property damage, and personal harm claims. Here’s a detailed breakdown of what it typically includes.

1. Bodily Injury Coverage

If a third party (e.g., a client or visitor) is injured on your business premises or due to your business operations, general liability insurance helps cover:

• Medical Expenses
• Rehabilitation Costs
• Legal Fees

2. Property Damage

Accidental damage to someone else’s property caused by your business activities is covered. For instance:

• Damaging a client’s furniture during an office renovation
• Equipment accidents affecting neighboring properties

3. Legal Defense Costs

General liability insurance covers legal fees if your business faces lawsuits related to covered incidents. This includes:

• Attorney fees
• Court costs
• Settlements or judgments

4. Advertising and Personal Injury

The policy protects against claims arising from non-physical harm, such as:

• Defamation (Libel or Slander): Unintentional harm to someone’s reputation
• Copyright Infringement: Misuse of someone else’s content in your advertising

5. Completed Operations Coverage

If a product or service your business provided causes harm or property damage after the work is finished, this coverage applies.

6. Product Liability

Businesses that manufacture or sell products are covered for claims related to product defects causing injury or damage.

Exclusions

While general liability insurance offers broad protection, it doesn’t cover:

• Professional errors (covered by professional liability insurance)
• Employee injuries (covered by workers’ compensation)
• Intentional acts of harm

Understanding the scope of general liability insurance helps businesses ensure proper protection against everyday risks. For a comprehensive policy tailored to your needs, contact us today!