What Does General Liability Really Cover?

general liability insurance in New York
general liability insurance in New York

Having good general liability insurance in New York is extremely important for many companies. Since the business world is so risky and full of unknowns, it’s a good idea to invest in an insurance policy to help keep your business safeguarded. Here is a quick guide to items that are and aren’t covered with most general liability policies.


General Liability Covers


Many plans will cover:


  • Lawsuits and Settlements

If your business is sued, or a lawsuit is filed against you, then your general liability coverage plan will typically cover court costs, settlements and any other expenses that may occur.


  • Injuries

If there is an accident with a customer on your company property then general liability will often cover the related expenses.


  • Miscellaneous

General liability often covers a number of items that you hadn’t thought of. Speak with your insurance agent to get a more thorough idea of what your particular plan covers.


General Liability Doesn’t Cover


While each general liability policy will differ slightly based on the needs of the company, as a general rule most policies do not cover:


  • Employee injuries
  • Auto accidents
  • Intentional acts
  • Professional mistakes


It’s a good idea to keep a copy of your general liability insurance in New York plan handy so that you can refer to it as needed. If you don’t already have a good general liability plan in place then speak with an insurance agent soon. It will help keep your business protected.