General liability coverage is primarily designed to protect against lawsuits and claims filed by third parties. Third parties are normally people and organizations that aren’t directly connected with a business. They may be competitors, vendors, customers, or other people or organizations. Owners and employees usually aren’t considered third parties. Therefore, claims filed by them usually aren’t covered by general liability coverage. These claims may be covered by another insurance policy, depending on the specifics of a claim and policies that a business has.