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General Liability
Protection for everyday business liability exposures.
A customer injury, accidental property damage, or other liability allegation can create a significant cost for a business. General liability is a foundational part of many commercial insurance programs.
What to understand
How general liability can fit into a business program.
- Certain third-party bodily injury claims
- Certain third-party property damage claims
- Personal and advertising injury when covered
- Defense costs for covered liability claims
Review considerations
Details worth discussing.
- Business operations and work performed
- Customer premises and jobsite exposures
- Subcontractor use and contractual requirements
- Products, completed operations, and limits
General Liability FAQs
Business risk deserves specific questions.
Does general liability cover every lawsuit?
No. Policies have defined coverage grants, exclusions, limits, and conditions. Professional errors, auto, employee injuries, and other exposures may require separate coverage.
Do contractors need general liability?
Many contractors use general liability as a core part of their insurance program, and contracts may require specific limits or terms. The right setup depends on the work performed.
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