Coverage research
General liability insurance
Third-party bodily injury, property damage, and related business liability questions.
What this page can do:
Explain decision points, organize documents, and point to official sources. It cannot estimate a premium, confirm coverage, or replace a licensed professional.
When this coverage enters the conversation
Scenario
A customer, visitor, or vendor is injured at a business location or job site.
Scenario
A business activity or product is alleged to damage someone else's property.
Scenario
A contract requires proof of liability coverage before work begins.
Questions that can change the discussion
Decision points to clarify
- Who is the potentially injured third party?
- Where did the event happen and what business activity was underway?
- Are products, completed work, leased premises, or subcontractors involved?
- Does the contract require additional insured or project-specific wording?
Documents to prepare
Common factors to document
OperationsWhat the business does, where it operates, and who interacts with the work.
ExposureCustomers, contracts, property, data, employees, vehicles, or third parties affected by a loss.
Policy designLimits, deductibles, exclusions, endorsements, triggers, and required certificates.
HistoryPrior claims, incidents, changes in operations, safety controls, and continuity plans.
Official starting points
Next step
Use the educational cost-factor estimator to organize relative preparation pressure points, then verify your situation with a licensed professional or regulator.