What is covered under a General Liability policy?

General Liability policy protects a business against third party claims of bodily injury (BI), property damage (PD) arising out of premises, operations, products, and completed operations. General Liability policy also protects the insured from advertising injury committed by the business in the course of advertising its goods and services. In addition, General Liability policy includes the personal injury (PI) coverage, which protects the insured from libel, slander, invasion of privacy, copyright infringement, and misappropriation of advertising ideas.

Who needs General Liability insurance?

General Contractors (GC), contractors, builders and subcontractors are commonly required to carry General Liability insurance to be compliant with the businesses they work for and some tradesmen are required to carry General Liability by Texas law*.