What defines "general liability insurance"?

General liability insurance is designed to provide protection against a wide range of claims that can arise in the course of business operations. This includes coverage for bodily injury, which may occur when someone is injured on your premises or due to your business activities. It also encompasses personal injury, which can include situations such as defamation or invasion of privacy. Additionally, this type of insurance covers property damage, protecting businesses from claims where they may inadvertently damage someone else's property.

The comprehensive nature of general liability insurance makes it an essential component for businesses, as it guards against various types of claims that can lead to significant financial losses. The combination of these coverages helps businesses to operate with a degree of safety against potential lawsuits or claims arising from their everyday activities.

Other options are limited in scope: one focuses solely on property damage, another is restricted to vehicle accidents, and another deals exclusively with work-related injuries, failing to capture the broader protections general liability offers. Thus, the defining feature of general liability insurance is its extensive coverage against claims of bodily injury, personal injury, and property damage.