general liability

General liability insurance is a type of business insurance that provides coverage for a variety of potential liabilities faced by businesses. It is designed to protect businesses from financial losses arising from claims of bodily injury or property damage caused by the business operations, products, or services.

General liability insurance typically covers:

• Bodily Injury: Claims for physical harm to a person, such as a customer slipping and falling in a store or someone getting injured on a business property.

• Property Damage: Claims for damage to someone else's property caused by the business operations, products, or services.

• Personal and Advertising Injury: Claims for non-physical injuries such as defamation, libel, slander, or copyright infringement arising from advertising or marketing activities.

• Legal Defense Costs: The insurance policy typically covers the costs of legal defense, including attorney fees, court costs, and settlements or judgments related to covered claims.

General liability insurance is essential for businesses to protect against the financial consequences of lawsuits and claims filed by third parties. It is often a foundational coverage in business insurance portfolios, providing broad protection against common risks faced by businesses in various industries.