General liability insurance

General liability insurance is a type of insurance coverage that provides protection to businesses and individuals from a variety of common risks and liabilities they may face in their daily operations. It is also sometimes referred to as commercial general liability (CGL) insurance when used by businesses. This insurance policy typically covers:

Bodily Injury: General liability insurance can help cover medical expenses, legal fees, and damages if someone is injured on your business premises or as a result of your business operations.

Property Damage: It covers damage to someone else's property caused by your business activities. For example, if your employee accidentally damages a client's property while working on their premises, this insurance can cover the cost of repairs.

Personal Injury: This coverage includes protection against claims of defamation, libel, slander, and other personal injuries arising from your business's actions.

Advertising Injury: It can cover claims of copyright infringement, false advertising, or other forms of intellectual property violations related to your business's advertising and marketing activities.

Products and Completed Operations: If your business sells products or provides services, general liability insurance can protect you from claims related to injuries or damages caused by your products or services.

Legal Defense Costs: The policy typically covers the costs of legal defense, including attorney fees and court costs, even if the claims made against you are groundless.

General liability insurance is important for businesses of all sizes and types because it helps protect them from financial losses resulting from lawsuits and liability claims. Without this insurance, a single lawsuit or liability claim could potentially bankrupt a small business or individual.

The specific coverage limits, deductibles, and premiums associated with general liability insurance can vary widely based on factors such as the nature of the business, its size, location, and the level of risk it faces. Businesses often customize their policies to suit their specific needs and budget. It's important to carefully review and understand the terms and conditions of y