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General Liability Insurance

While every business has unique risks, some of the biggest problems your company can face are often very common for most businesses. General Liability Insurance helps cover your liability for third-party property damage and injury resulting from your daily operations.

What General Liability Insurance Usually Covers

  • Third-Party Bodily Injury. When a customer slips and falls or gets hurt on your property, this helps cover medical and legal expenses if you are sued.
  • Third-Party Property Damage. If you damage a customer's property, such as a smartphone or laptop, this helps pay for repair or replacement costs.
  • Product Liability. If your product hurts someone, such as a hot coffee burn, this will help pay for legal expenses.
  • Advertising Liability. If you are sued over slander or copyright claims this will help pay for your legal defense.

Did You Know?

Based on a 2005 study, it was found that a small business lawsuit normally costs between $3,000 and $150,000.
United States Small Business Administration

What General Liability Insurance Usually Does Not Cover

  • Professional errors. This is covered under a professional liability policy.
  • Employee injuries. This is covered in a variety of policies including workers compensation.
  • Damage to your business property. This is covered under commercial property insurance.

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