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What Does General Liability Insurance Cover?

Commercial general liability insurance is one of the most commonly purchased types of small business insurance. But many small business owners still have a lot of questions about what it is, why it's needed, and how it works. 

General liability insurance covers claims for bodily injury or other physical injury or property damage. In the event of a covered claim, such policies will generally pay a legal defense, as well as compensatory, general, and punitive damages. If you’re looking to get a quote from companies, browse online.

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A typical general liability insurance policy covers:

– Bodily Injury and Property Damage Liability: If a visitor is injured on your premises, or if you or your employee injure or damage property on your client's premises.

– Personal and advertising damages: Certain crimes that you or your employees commit in the course of your business, such as libel, slander, disparagement, or advertising copyright infringement.

– Medical expenses: Medical expenses applicable if someone is injured and needs medical treatment due to an accident on your premises.

– Premises and Operations Liability: Bodily injury and property damage suffered by others on your premises or as a result of your business operations.

– Tenant's Liability: Claims for fire damage or other covered losses caused by you to premises you rent.

Note that this list includes typical coverages provided by some policies. Be sure to carefully review your own policy for exclusions, limitations, or any other terms or conditions that may affect your coverage. The terms and conditions of your policy will prevail.