What Does General Liability Cover You For

The Facts A general liability insurance policy covers claims of damage and injury caused by the insured during the course of business. This insurance covers four categories: bodily injury, personal injury (which includes libel or slander), property damage, and advertising injury. General liability is usually bundled with other types of insurance. When packaged, the limits for this blanket coverage may be lower than needed. Companies can opt to purchase this insurance as a standalone policy. What's Covered A general liability insurance policy protects a company and its employees from many types of incidents. This insurance covers bodily injury, property damage, product-completed liability, contractual liability, liquor liability, employer injuries, and damages from fire, lightning and explosion. Medical payments for personal injury, coverage for advertising injury and legal defense costs fits under the umbrella of a general liability insurance policy.