General liability pays when someone says your business injured them or damaged their property, including the cost of defending the claim.
What it generally covers
- Bodily injury and property damage to others
- Legal defense
- Advertising and personal injury claims, depending on the form
Where gaps often hide
- It does not cover your own property, employee injuries or professional mistakes
- Contracts may require higher limits or additional insured status
- Some activities are excluded, such as certain pollution and work-related exposures
Questions worth asking
- Do my contracts require higher limits or additional insured status?
- What are the exclusions for my kind of work?
- Do my subcontractors carry their own coverage?
General information only. Actual coverage depends on your policy, and coverage is not in force until confirmed in writing by the agency.