What’s Included (and Not Included) in General Liability Insurance?

Understanding what general liability insurance can and cannot cover is essential to protecting your Oklahoma business financially. Here’s what you need to know about this type of policy and its common exclusions.

What General Liability Insurance May Cover

General liability insurance may help prevent financial losses from common risks. Many standard policies include coverage for:

• Bodily injury—If a customer or third party is injured on your premises or as a result of your business operations, your policy can help cover their medical expenses and legal costs.
• Property damage—If your business activities accidentally damage someone else’s property, general liability insurance may help pay to repair, rebuild or replace it.
• Personal and advertising injury—This may cover claims of libel, slander, copyright infringement or false advertising that may arise from your business’s marketing or communications.

Even if a claim is unfounded, your general liability policy may help cover the costs of defending your business in court.

What’s Not Included in General Liability Insurance

General liability insurance doesn’t cover every risk. Policies typically exclude coverage for the following:

• Employee injuries
• Mistakes or negligence in professional services
• Intentional acts
• Automobile accidents
• Damage to your own property

Understanding these exclusions is essential to make sure your business has optimal coverage. Our team can help you identify any coverage gaps and recommend additional policies tailored to your needs.

Get Covered Today

General liability insurance is a foundational part of most business insurance plans, so it’s crucial to know its capabilities and limits. Jordan Insurance Brokers can help you make informed decisions about your coverage and safeguard your Oklahoma business against unexpected financial risks. Contact us today to speak with our team or request a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.