General liability
Protection when your work, your products or your premises cause injury or property damage to someone else. It is the foundation most business insurance programs are built on.
What it generally covers
- Bodily injury to customers, vendors or the public
- Damage to property that belongs to others
- Products and completed operations claims after a job is done
- Personal and advertising injury, such as libel or slander claims
- Legal defense costs for covered claims
Who usually asks about it
- Businesses that have customers or visitors on site
- Contractors and anyone working at a customer's location
- Businesses that make, sell or distribute products
- Anyone asked for a certificate of insurance before starting work
Common questions
Does general liability cover my vehicles?
No. Liability from vehicles your business owns or uses is normally handled by a commercial auto policy, and injuries to your own employees by workers' compensation. That is one of the most common gaps we review.
Does it cover my own tools or building?
Generally not. General liability responds to injury or damage to others. Your own property, tools and equipment are usually covered under property or inland marine coverage.
What is an additional insured?
A person or company added to your policy by endorsement, often a client or landlord, so they have protection for claims arising from your work. It has to be on the policy before it can appear on a certificate.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.