General Liability Insurance (GL) is a fundamental type of business insurance that protects companies from financial loss arising from claims of injury or damage caused by the business operations, products, or services. It provides coverage for legal costs, settlements, and judgments related to these claims.

Key Coverages:

1. Bodily Injury
   Covers medical expenses, legal fees, and damages if someone is injured on your business property or as a result of your business operations.

2. Property Damage
   Protects against claims for damage caused to someone else’s property due to your business activities.

3. Personal & Advertising Injury
   Covers claims related to non-physical injuries such as libel, slander, copyright infringement, and false advertising.

4. Medical Payments
   Pays for immediate medical costs if someone is injured on your business premises, regardless of fault.

5. Legal Defense & Settlements
   Covers the cost of legal defense, court fees, and settlements if your business is sued, even if the lawsuit is groundless.

Key Exclusions:

• Employee injuries (covered under Workers' Compensation)

• Professional errors (covered by Professional Liability Insurance)

• Intentional harm

• Damage to your own property

Who Needs General Liability Insurance?

Businesses of all sizes, across all industries, benefit from General Liability insurance. It is especially important for businesses that interact with customers or clients in person, work on client property, or advertise publicly.

General Liability Insurance provides essential protection that helps safeguard your business from the unexpected, allowing you to focus on operations without constant worry over potential lawsuits.