Here are some general liability insurance coverage rules of thumb. To be sure about your specific business needs, be sure to consult with a qualified business insurance agent. Most businesses need general liability insurance to protect themselves against: ✓ Lawsuits, investigations and settlements ✓ Medical damages, attorney fees and Injury damages ✓ Abuse coverage for liability. Just keep in mind that the following types aren’t protected: ✓ Employee injuries ✓ Auto-related coverage ✓ Intentional acts