Nadler Insurance
Insurance EducationVideo

Coverage Explanation: General Liability (Overview)

By Zach Nadler·

Show Notes

Quick summary

General liability insurance helps protect a business when someone alleges bodily injury, property damage, or certain advertising injuries caused by the business’s operations.

What this coverage typically helps with

  • Third-party bodily injury claims
  • Third-party property damage claims
  • Personal and advertising injury (for example, certain claims of libel or slander)
  • Legal defense costs (often a major part of the value)

    • Common examples (confirm from video)

  • A customer slips and falls at your location
  • You accidentally damage someone’s property while doing a job
  • A claim arises from your marketing materials

    • Common gaps and exclusions to watch for

  • Professional services (often needs professional liability / E&O)
  • Auto-related claims (needs commercial auto)
  • Employee injuries (needs workers’ comp)
  • Intentional acts

    • Who should consider general liability

  • Contractors and trades
  • Retail and hospitality
  • Professional offices with client foot traffic
  • Anyone with vendor or landlord contract requirements

    • Questions to ask when reviewing your policy

  • What are my limits and deductible?
  • Is my policy occurrence or claims-made?
  • Do I need additional insured endorsements?
  • Are there any exclusions specific to my industry?

    • Video

  • Watch here: https://m.youtube.com/watch?v=wEDLbE1nFT0

    • Notes