What general liability may help address
Foundational business liability protection for certain third-party bodily injury, property damage, and advertising claims. Exact benefits, limits, exclusions, deductibles, and availability depend on the policy and carrier.
- Certain third-party bodily injury claims
- Certain third-party property damage claims
- Legal defense for covered allegations
- Personal and advertising injury where included
- Premises and operations exposures
Who should consider a review?
Contractors, retailers, service businesses, landlords, vendors, and organizations required to show proof of liability coverage.
Questions worth discussing
A productive review may include current limits, deductibles, known exposures, contractual requirements, recent changes, and how different policies interact. Never cancel or change existing coverage until replacement coverage is confirmed in writing.
Frequently asked questions
Is general liability the same as professional liability?
No. General liability commonly addresses bodily injury and property damage, while professional liability focuses on service errors or omissions.
Can a client request a certificate of insurance?
Yes. Contracting parties commonly request evidence of coverage, but certificates do not change policy terms.
Are all lawsuits covered?
No. Coverage depends on allegations, exclusions, limits, timing, and carrier review.