General liability is a foundational insurance policy that protects a business from everyday risks, such as third-party claims of bodily injury, property damage, or advertising injury. Often required to sign a commercial lease or secure a client contract, this coverage pays for medical bills, repair costs, and legal fees, safeguarding the business from lawsuits that could otherwise be financially devastating.
- What It Is: Foundational coverage that protects your business from third-party claims of bodily injury, property damage, and personal or advertising injury.
- What It Covers:
- Bodily Injury: A customer slipping and falling in your store.
- Property Damage: Your employee damaging a client’s property.
- Personal/Advertising Injury: Claims of libel, slander, or copyright infringement.
- Who It’s For: Virtually every business.
- Key Considerations: Does not cover employee injuries or professional mistakes.