What Does General Liability Insurance Actually Cover?

General liability insurance can protect your company from financial losses if you’re held responsible for certain types of accidents or damage that occur during your business operations. This coverage is often required by landlords, clients or local regulations, making it a key part of your risk management strategy.

What Does General Liability Insurance Cover?

Our team can help clients secure a policy that typically includes protection for:

• Bodily injury liability—This can help pay for medical expenses and other relevant costs if your business is held liable for a third party getting injured on your premises or due to your operations.
• Property damage liability—Your policy can cover repair and replacement expenses if you or an employee accidentally damages someone else’s property.
• Personal and advertising injury liability—Your policy can cover claims of libel, slander, copyright infringement or false advertising filed against your business.

What Are Some Common Misconceptions About This Coverage?

It’s important to know what general liability insurance does not cover. For example, it excludes employee illness or injuries caused by a workplace incident, professional errors, or damage to your own property. Understanding these and other limitations can help you assess if you have the right combination of policies for your businesses.

How We Help Businesses in Texas

TS Insurance works closely with business owners in Katy, TX to evaluate their coverage needs and recommend policies that fit their operations and budget. Our team can help you compare your options and assist you in case you need to file a claim.

Contact our team today to review your coverage or request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.