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What is General Liability Insurance?

General Liability Insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued.  Typically these include compensatory damages, nonmonetary losses suffered by the injured party, and punitive damages.

General liability insurance can also protect you against any liability as a tenant if you cause damage to a property that you rent, such as by fire or other covered loss.

Finally, it can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.

What General Liability Covers

Bodily injury

A client falls trips and falls  and you are legally liable for the injury. We may cover the subsequent claim and related medical expenses up to your general liability policy’s limits of liability.

Property damage and data loss

You damage a client’s server causing damage and loss of data. We may cover the subsequent claim up to your general liability policy’s limits of liability

Personal injury

One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We may cover the subsequent claim, up to your general liability policy’s limits of liability, and pay for an attorney to defend you if necessary.

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