general liability

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Premises Liablity

Products & Completed Operations

Personal & Advertising Injury

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What it is

General liability insurance protects your business from liability claims made against your business for third party personal injury, third party property damage, third party personal and advertising injury and premises medical injuries.

A general liability policy will usually cover the costs of your legal defense and will pay on your behalf all damages (bodily injury and/or property damage) up to the limits of the policy.  

Every business must be protected with general liability coverage.  The limits of liability that are provided in most general liability policies are as follows: 

Coverage Limit of Insurance 

General Aggregate – $2,000,000

Products/Completed Ops. Aggregate – $2,000,000

Personal & Advertising Injury – $1,000,000

Each Occurrence – $1,000,000

Fire Damage (any one fire) – $100,000

Medical Expenses – $5,000

Some insurance companies offer higher coverage limits.  Most businesses purchase an umbrella liability policy if they want higher limits of protection. 

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GL Claim Examples

Here are a few examples of general liability related losses.



  • A customer is shopping in your store and is injured by a display that falls over causing the customer to fall to the floor.  
  • A customer having dinner in your restaurant becomes ill due food poisoning.
  • The product that you manufacture causes bodily injury to a third party.
  • You are building a house or commercial building and you accidentally cause a fire damaging a portion of the house or building.
  • You are operating a piece of equipment on a jobsite and you cause injuries to another worker
  • You are installing a new heating system in a home and you cause a short in the electrical system which damages the homeowner’s computers, appliances and security system.


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