What does general liability insurance typically cover?

General liability insurance is designed to protect businesses from a variety of claims that can arise during their normal operations. One of the key provisions of this type of insurance is its coverage for legal settlements and court costs associated with claims for bodily injury, property damage, personal injury, and advertising injury. When a business is sued, general liability insurance will cover the legal defense costs, settlement amounts, and any court awards that may result from the lawsuit, up to the limits of the policy. This financial protection is crucial for businesses, ensuring that they can continue to operate without the severe financial burden that can result from legal claims.

While property damage claims are covered under general liability insurance, the option that specifically emphasizes the comprehensive nature of legal support aligns more closely with the core functions of this type of insurance. Other options, such as employee injuries and workplace accidents, are typically covered under other types of insurance, such as workers' compensation or specific liability policies, rather than general liability insurance directly.