What does general liability insurance cover?

General liability insurance provides coverage for physical injuries and damages that occur on a business's premises or as a result of its operations. This type of insurance is designed to protect businesses from claims that could arise due to accidents leading to bodily injury to a third party or damage to their property.

For instance, if a customer slips and falls in a store, or if a contractor accidentally damages a client's property during a job, general liability insurance would typically help cover medical expenses and legal costs associated with such incidents. This broad coverage helps businesses manage risks and safeguard against potential financial losses that could arise from these types of situations.

In contrast to other options, general liability insurance does not cover intentional acts or criminal behavior, which is why it focuses specifically on unintentional incidents that cause harm or damage to third parties. Similarly, while property damage can be a component of general liability coverage, the primary focus is on bodily injury and physical damages rather than being limited just to property.