A Practical Guide to General Liability Insurance  

General liability insurance, or commercial general liability insurance, is a foundational policy for businesses of all sizes. It may provide financial security against third-party claims of bodily injury, property damage and personal injury that may arise during regular operations.

What Does General Liability Insurance Cover?

General liability insurance may apply to a range of common business scenarios. Here are a few examples:

• Third-party bodily injury—If someone is hurt due to your business activities, such as during a product demo or event, this policy may cover medical expenses and legal fees.

• Third-party property damage—If your employee accidentally damages a client’s furniture while working on-site, general liability insurance may help pay for repairs or replacement.

• Personal and advertising injury—If your marketing materials unintentionally defame another business, this coverage may assist with legal and settlement costs.

What Does Coverage Exclude?

General liability policies cover many common business risks, but not all. Here are some standard exclusions:

• Employee injuries

• Professional errors

• Automobile accidents

• Intentional acts

• Cyber incidents

How Do I Purchase a Policy?

You can often buy general liability insurance on its own or as part of a broader policy. Many small businesses choose a business owners policy, which bundles general liability with property coverage. Larger or more complex businesses might go with a commercial package policy, which can offer more flexibility. If these options don’t provide enough coverage, you can add a commercial umbrella policy to extend your limits. Your insurance agent can help determine what fits your business and how much coverage makes sense.

Get Coverage You Can Count On

Martinez Insurance Services has successfully served businesses in Newnan, GA. Our agents can help you secure appropriate general liability insurance. Contact us today to get started.

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.