What does general liability insurance cover?

General liability covers bodily injury or property damage to others.

This includes your products (food), your premise (slip and fall), personal injury / advertising injury (libel and slander), and property damage to others. The best part is it also covers the legal fees to defend such claims, even if its found you were not at fault!

An example of each:

Products:

Someone with a food allergy gets sick and blames your business for not disclosing the ingredients properly. Or the best know example, the coffee is too hot!

Premise:

You owe an extra duty of care to guest of your business to keep them safe. If they trip over an uneven surface, or a chair you provide breaks and causes injury you can be found liable.

Personal Injury:

If you unintentionally infringe on a trade mark of another business, that company may sue you for damages.

Property Damage:

If your kitchen causes a fire and the fire was to spread to neighboring property, the policy will cover those damages you are found to be negligent for. It's important to note general liability does not cover property damages to others while being towed, that coverage comes from the auto policy. It is also subject to a limit of 100K for property that is owed by your landlord.

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