What Does General Liability Insurance Cover?

General liability insurance is one of the most common types of coverage carried by businesses. It helps address many of the everyday financial risks that come with operating a company, whether you run a small shop or a growing office.

Bodily Injury Coverage

If someone is injured at your business, general liability insurance may help pay for medical expenses or legal costs if you are found responsible. For example, if a customer slips and falls inside your store, bodily injury coverage can address the related claims. Without this coverage, those costs could fall directly on your business.

Property Damage Coverage

Accidents happen, and sometimes they involve damage to another person’s property. General liability insurance may help pay for repairs or replacement if your business activities cause such damage. For instance, if you accidentally damage a client’s property while working at their location, this coverage can step in to address the expense.

Personal and Advertising Injury

In addition to physical risks, general liability insurance can also cover certain claims tied to communication and advertising. This may include allegations of libel, slander or copyright infringement. Even unintentional mistakes can lead to lawsuits, and this part of general liability coverage is designed to help with those situations.

Learn More

General liability insurance covers a wide range of financial risks that businesses may encounter. Contact us to discuss your general liability insurance options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.