General liability provides coverage for bodily injury or property damage as a result of the work that you do or the product that you sell. That's a very broad description and general liability covers a lot of things but it doesn't come close to covering everything.
Example of what's NOT covered by general liability
so as you would expect policies have limitations and outright exclusions that means that you have to bundle other types of insurance policies to find coverage. One thing the general liability doesn't cover is property damage that belongs to you or that is in your business care, custody or control. property damage to your business property or sometimes cases to your customers property can be covered by property insurance.
it also doesn't cover bodily injury to anyone related to your business for example employees, volunteers owners, partnership, etc. you can find coverage for these types of claims with workers' compensation or accident health coverage.
general liability does NOT cover for your professional exposure
This means if you're a lawyer, doctor, architect, realtor, insurance agent or many other licensed accredited professions, you would also need to purchase professional liability insurance also known as malpractice or errors and omissions insurance. you still need general liability to provide coverage for nonprofessional claims such as a slip and fall in your office or a fire caused by your presence on a project site but your work more likely will be covered by a professional liability policy.
There are a few more standard exclusions on a general liability policy which are a bit more self explanatory. like expected and intended injury or damage contractual liability, liquor liability, employers liability, pollution, aircraft, autos and watercraft. Many general liability policies also have endorsements to the policy that can further restrict to exclude some of these situations.
Now let's have a look into what is covered with a few examples.
General liability insurance provides coverage for bodily injury or property damage as a result of the work that you do or the product that y