General liability insurance mainly covers lawsuits and accidents related to negligent acts, such as:
Bodily injury—This covers medical expenses and legal fees related to a third-party’s injury on the property.
Property damage—This covers incidents of property damage that occur out of everyday business activity.
Personal/advertising injury—This coverage covers personal and advertising injuries such as libel, slander, copyright infringement and invasion of privacy.
Coverages can vary from business to business and depending on the claim. Some policies may also cover defense costs for liability claims brought against your business, as well as claims of copyright infringement or reputational harm. Be sure to discuss your needs with an agent before determining coverage.