General liability insurance protects owners and operators of companies from bodily injury and property damage claims that may come from a wide range of events inherent with running a business. Exposures include premises and jobsite accidents, alleged negligence, contractual liability, defective products, and countless others.
The policy provides coverage for damages the insured may be legally liable for, including defense costs up to the limit of liability selected. Depending on the nature of the business, certain activities and operations may be excluded from coverage.
The cost is usually based on the nature and relative risk of the business, limits selected, gross receipts, and in some cases, payroll.
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