What Is General Liability Insurance Coverage?

What Is General Liability Insurance Coverage? Essential Protection for Businesses

Understanding GLI: Key Coverage Areas

General liability insurance (GLI) provides essential protection for businesses against:

• Bodily injury claims
• Property damage liabilities
• Reputational harm lawsuits
• Advertising injury claims

Available as standalone coverage or part of a Business Owner's Policy (BOP), GLI is crucial for financial risk management.

What GLI Doesn't Cover: Essential Limitations

While vital, GLI excludes:

• Work-related injuries (requires workers' comp)
• Company property damage
• Professional service errors

Consider supplementing with:

• Commercial umbrella insurance
• Employment practices liability coverage
• Commercial auto insurance

GLI Frequently Asked Questions

Who needs general liability insurance?

Essential for businesses that:

• Interact with the public regularly
• Operate in multiple locations
• Use temporary workers

Is GLI legally required?

While not mandatory like workers' comp, many contracts require GLI coverage for:

• Commercial leases
• Client agreements
• Vendor contracts