General Liability Policy

A commercial insurance general liability policy is a type of insurance that provides coverage for claims of bodily injury or property damage caused by the business's products, services, or operations. This type of policy is designed to protect businesses from financial losses due to lawsuits or other legal claims.

The coverage included in a commercial insurance general liability policy can vary depending on the specific policy and the needs of the business, but typically includes the following:

1. Bodily injury coverage: This covers claims for physical harm to a person, including medical expenses and lost wages.
2. Property damage coverage: This covers claims for damage to someone else's property caused by the business's products or operations.
3. Personal and advertising injury coverage: This covers claims for libel, slander, or copyright infringement.
4. Products and completed operations coverage: This covers claims for bodily injury or property damage caused by the business's products or completed operations.

Examples of businesses that might benefit from a commercial insurance general liability policy include restaurants, retail stores, contractors, and service providers such as landscapers or janitorial services. It is important for businesses to evaluate their risk and determine the appropriate level of coverage they need to adequately protect themselves from liability claims.