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What is a General Liability insurance policy?

A General Liability insurance policy is typically the first step in business protection. It’s the most essential piece of your commercial insurance plan that protects your business from a person or business’ claims of bodily injury and related medical costs; property damage; data loss and personal injury. If you have business property, you might want to consider a Business Owners Policy instead.

Who needs a General Liability policy?

  • Interact with clients face to face - if you visit a client's workplace, or clients visit yours
  • Have access to a client's equipment - for example, IT professionals
  • Use third party locations for any business related activities - e.g. architects
  • Operate a business without owning or renting any physical property
  • Are required to have General Liability insurance before entering into a contract

What's covered?

  • Bodily injury
  • Third party property damage
  • Personal injury
  • Advertising injury (libel and slander)
  • Third party medical expenses
  • Related defense costs

What's NOT covered?

  • Damage to business equipment and rented property
  • Employee on-the-job injuries
  • Malpractice
  • Employee discrimination lawsuits or fraud
  • Fraud or intentional injury
  • Failure to protect sensitive information

Learn about our other business insurance types:

Business Owners Policy
General Liability
Professional Liability
Workers Compensation
Commercial Auto
Directors and Officers
Cyber Insurance
Other Insurance

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Insurance shopping simplified by technology, backed by generations of experience. CoverHound® is an original InsurTech that allows consumers and businesses to easily compare and purchase insurance online — offering competitive rates and coverages in all 50 states with fast, accurate and actionable quotes from A-rated U.S. insurance carriers.

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