Product liability insurance is designed for businesses who are involved in the production, supply of sale of products to members of the public. It helps protect against claims of personal injury or property damage that a third party suffers (or claims to have suffered) as a result of your business's product.

Coverage A: Bodily Injury and Property Damage Liability Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm. Workers compensation and employment practices liability insurance are excluded but can be purchased as separate policies.

Product liability insurance responds specifically to claims that are related to the use of products that your company sells, manufactures, or distributes. On the other hand, a general liability policy will cover claims that are related to the complete operations of your business.

One of your photography business customers slips and falls in your business after you've mopped the floor. They end up breaking their ankle and need two surgeries to recover. They sue your business for medical costs. Your general liability coverage could help cover this bodily injury claim.

three separate The backbone of the ISO liability policy is the Commercial General Liability Coverage Form or CGL. This form provides three separate coverages: Coverage A, Bodily Injury and Property Damage Liability. Coverage B, Personal and Advertising Injury Liability.

General liability covers physical risks, such as bodily injuries and property damage. Professional liability insurance covers more abstract risks, such as errors and omissions in the services your business provides.

General Liability insurance is a policy that helps preserve your business assets by covering legal costs and damages or settlements up to the limit of your policy for covered claims. Although you operate your business with care, accidents can happen. For example, a customer slips on a wet floor and gets injured.

States don't typically require businesses to carry general liability insurance. But even if it's not required, it's good to have. Small businesses can benefit from this coverage because it helps protect against risks that can come up during normal operations.

General liability coverage General liability insurance covers three things: bodily injury, personal injury, and property damage. Remember, this is liability insurance, so it covers these three things when they happen to another person.

General liability covers physical risks, such as bodily injuries and property damage. Professional liability insurance covers more abstract risks, such as errors and omissions in the services your business provides.

Intentional Acts This exclusion prevents individuals or businesses from intentionally causing harm to others and then seeking coverage for their actions. Insurance companies cannot provide coverage for deliberate actions that result in bodily injury, property damage, or personal injury.

A general liability policy helps protect your small business from claims that it caused bodily injuries and property damage. These risks can come up during normal business operations. They can get expensive for small businesses and many don't have the resources to cover a liability claim.