Coverage Guide
General Liability Guide
What GL insurance covers and doesn't cover.
What's Covered
Third-party bodily injury
Third-party property damage
Personal injury (defamation)
Advertising injury
Products/completed operations
Legal defense costs
What's NOT Covered
Your own injuries (need WC)
Your business property
Professional errors (need E&O)
Auto accidents
Intentional acts
Employee injuries
Coverage Limits Explained
GL policies have two limits:
- Per Occurrence: Maximum paid for any single claim
- Aggregate: Maximum paid for all claims in a policy year
Common limits are $1M/$2M (1 million per occurrence, 2 million aggregate).