# General Liability | Supersure

> Supersure helps businesses get general liability insurance that covers third-party bodily injury, property damage and more. Get covered today.

Canonical: https://www.supersure.com/business-insurance-coverage/general-liability

From slip-and-fall accidents to accidental property damage, general liability insurance can help 
your business manage costs from covered third-party liability claims.

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General liability insurance can help cover certain third-party claims alleging bodily injury, property damage, or personal and advertising injury arising from your business operations. This typically includes slip-and-fall injuries, damage to a client’s property, or claims involving libel, slander, or copyright infringement in advertising.

General liability insurance typically provides coverage for defense costs and covered damages, and may also include limited no-fault medical payments coverage, subject to policy terms and conditions.

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- **Third-Party Bodily Injury**
- **Third-Party Property Damage**
- **Product Liability**
- **Medical Payments**
- **Personal and Advertising Injury**
- **Completed Operations**

Coverage described above is general; actual coverages, definitions, and exclusions vary by policy form, state and insurer.

General Liability can be helpful for businesses that regularly interact with customers, vendors, or the public. It's especially important for businesses with foot traffic, physical work, on-site visits, or product manufacturing.

- **Construction Businesses**
- **General & Independent Contractors**
- **Retail Businesses**
- **Restaurants & Food Delivery**
- **Manufacturing Businesses**
- **Fitness & Wellness Businesses**

While general liability insurance can help cover common third-party claims, it typically excludes several key risks. Additional coverages can help fill gaps tied to your property, employees, or other specialized exposures.

### Commercial Property

Commercial property insurance can help cover your buildings, equipment, and business contents against covered physical losses, complementing general liability insurance by protecting your property.

### Business Owners Policy (BOP)

A business owners policy bundles commercial property and general liability coverage, often providing a more efficient solution for eligible small businesses.

### Workers’ Compensation

Workers’ compensation insurance covers work injuries and occupational illnesses of your employees, which are typically excluded from general liability insurance.

### Commercial Auto

Commercial auto insurance can help cover liability and physical damage related to vehicles used for business purposes, which are typically not covered under general liability insurance.

### Professional Liability

Professional liability insurance can help protect against claims arising from your professional mistakes, advice, or services that are typically not covered by general liability insurance.

### Cyber Liability

Cyber liability insurance can help cover certain costs tied to data breaches, cyberattacks, and privacy incidents, which are typically excluded from general liability insurance.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about general liability insurance.

### Is general liability insurance required by law?

It’s not usually required by law, but many leases, contracts, and client agreements require businesses to carry general liability insurance as a condition of doing business.

### Does general liability insurance cover employee injuries?

Employee injuries are typically excluded from general liability insurance. Those claims are usually handled under workers’ compensation insurance, which addresses workplace injuries and illnesses.

### Does general liability insurance cover professional mistakes?

Professional errors or negligence are typically excluded from general liability insurance. A different coverage called professional liability insurance is designed to address claims related to services, advice, or specialized expertise.

### How are coverage limits determined?

Coverage limits are selected based on factors like your business size, risk exposure, contract requirements, and industry standards, and should be reviewed with a licensed insurance producer since the underwriter will also review the limits of coverage.

### Can general liability insurance be bundled with other policies?

Yes. Many businesses purchase general liability insurance as part of a business owners policy (BOP), which combines liability and property coverage into a single package.

Talk to our team today and get started with your Supersure business insurance coverage.

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