All About Commercial General Liability Insurance: What is it, What’s Covered, and What’s Not?
What Does General Liabilty Cover?
General liability insurance can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as:
Injuries to people who are not your employees (bodily injury)
Damage to another person’s property (property damage)
Court and legal fees
Medical payments
Advertising harm
Accusations of libel or slander (personal injury or reputational harm)
If you're involved with any of these business risks, our general liability claims process could provide financial help if it is a covered event.
Learn more about what general liability covers.
What is General Liability Insurance?
General liability insurance can provide financial protection for some of the most common accidents at a business.
It can help if someone other than an employee gets hurt and your business is at fault. This is called “bodily injury.”
General liability insurance coverage can also help pay for repair or replacement costs if you accidentally damage property that doesn't belong to you.
And if you’re accused of reputational harm (libel or slander), false advertising (advertising injury) or copyright infringement, your insurance policy can provide coverage for that, too.
It’s one of the most frequently purchased types of business insurance by small business owners because of the broad protection it offers.
This type of coverage is also sometimes called “business liability insurance,” “commercial general liability (CGL),” “public liability” or “liability insurance.” For the sake of simplicity, we’ll just call it general liability in the details below.
