What is it?
General Liability insurance is a type of insurance that protects your business from financial losses caused by lawsuits. This type of insurance can help to pay for the cost of defending a lawsuit, as well as any damages that you are found liable for.
How does it work?
General Liability insurance covers:
Bodily injury claims that are filed by someone who is injured as a result of your business activities.
Property damage claims that are filed by someone who has their property damaged as a result of your business activities.
Personal injury claims that are filed by someone who is injured as a result of your business's negligence, such as if you fail to warn them of a dangerous condition on your property.
General Liability insurance doesn’t cover:
Scenario | Insurance Policy Needed |
Injury to your 1099 workers | Occupational Accident |
Injury to your W-2 employees | Workers Comp |
Damage to your property | Property |
Damage to your vehicles | Commercial Auto |
Disruption of operations | Business Interruption |
Negligence | Professional Liability or Errors & Omissions |
Database breach | Cyber Liability Insurance |