How Important Is It to Include General Liability Insurance Under My Commercial Insurance Coverage? 

Whether you own a small retail store or a large firm, general liability insurance offers a critical financial safeguard against various claims that can arise during your business operations. Business owners should be aware of what it does and doesn’t cover.

What Does General Liability Insurance Cover?

The following are typically covered by your general liability insurance policy:

• Third-party property damage—General liability may cover costs resulting from your business accidentally damaging someone’s property. For instance, if you damage a client’s fence during a landscaping job, general liability may help cover the cost to repair it.

• Third-party bodily injury—If your business is responsible for accidentally injuring someone, general liability insurance could cover the resulting legal and medical costs. For example, if a client trips over items in your store and is injured, general liability may help cover their medical expenses and your legal fees if they sue your business.

• Personal injury—General liability insurance may cover expenses if your business is sued for personal injury, such as libel, slander, or defamation.

• Advertising injury (copyright infringement)—If your business is accused of using copyrighted material without permission, general liability insurance may help cover the legal costs of defending your business.

What Doesn’t General Liability Insurance Cover?

Though general liability insurance has extensive coverage, it won’t typically cover the following:

• Professional errors or mistakes

• Negligence by employees or leadership

• Employee injuries

• Injuries or property damage due to an auto accident

• Your own property

You may need to invest in separate coverage to cover these, including commercial auto insurance or workers’ compensation insurance. Check with your insurer to see what additional coverage you may need.

Contact Us

General liability insurance is foundational coverage for your business. The professionals at Mcllarth Insurance Agency in Pittsburg, PA can help you find the best policy for your needs and budget. Contact us today for a quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.