Will Commercial General Liability Insurance Premium Go Up If We File One Claim? 
The copyright or trademark infringement are usually excluded from General Liability coverage . The claim , however , me be filed under personal / advertising injury . I suggest you contact a legal adviser to properly file a claim . The worst case scenario , the claim will be denied . Based on the information provided in your question , whether the carrier covers the claim or denies coverage , it is unlikely your policy premium will increase with the renewal . However , depending on your carrier 's loss experience with insureds with similar to your business operations and/or number of claims filed under similar conditions , the insurance company has several remedies : - to increase rates for your class of business . That means the carrier wo n't debit your individual policy , instead they will increase rates for every business that provides same products or services . - to send you a non-renewal notice . The carrier simply stops entertaining coverage for you , based on the loss experience . - to exclude related exposures from future coverage . That means any future claim involving similar exposures likely wo n't be covered . I suppose no insurance agent is able to give you a certain answer . Because the carrier 's decision on claim and future plays with many facets , including policy wording interpretation , and also based on the actuarial data of the given insurance company . A simple web search can reveal countless stories of claims denied and then accepted , bad face lawsuits , etc. . 