Question 1

What coverages are included in General Liability policies?

Accepted Answer

General Liability policies normally come with a trio of primary protections.
These protections are:
 
 • Bodily Injury Coverage, which might cover third-party injuries that occur on company property
 
 • Property Damage Coverage, which might cover damage caused to other parties’ property
 
 • Personal Advertising Injury Coverage, which might cover libel, slander and false advertising claims
In addition to these protections, some policies also come with other coverages (e.g. product liability coverage). Whether these other coverages are sufficient for a specific business is situationally dependent. An experienced insurance agent can help businesses make informed decisions regarding any other protections that are offered.
 
(Exact protections can vary, and some policies may not include the three primary coverages listed.)

Question 2

Do General Liability policies cover employee injuries?

Accepted Answer

General Liability policies often cover certain third-party injuries that occur on company property, but they usually don’t cover employee injuries.
 
Instead, employee injuries typically fall under the domain of Workers Compensation Insurance.(javascript:void(0))
 
Insurance agents who are familiar with general liability policies often also help businesses find workers compensation policies.

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