Employers liability is not included under the standard general Public Liability insurance. The standard coverage can be extended to include coverage for lawsuits filed against you by an employee for an injury that occurred in the course of their duties.

Your general Public Liability policy provides financial protection if you are held responsible for accidents that caused injuries to others (other than employees) or damage to property you don’t own.

The standard general Public Liability insurance does not cover Products Liability. The standard coverage can be extended to include protection for lawsuits filed against you for accidental injury to customers or damage to property of others caused by a product designed, produced, manufactured, repaired, or supplied by your business.

General public liability insurance is important because it covers the risks that many business owners face every day. It is not typically required by law, but some clients and agencies could ask you to have a certificate of insurance before they work with you.

You’ll get help paying for expenses after an accident if you’re held responsible for injuring someone or damaging their property.

Your general Public Liability covers many different situations, but it doesn’t cover everything. You might need to buy other types of liability insurance, depending on your business activities.

General liability insurance does not cover professional mistakes. For that, you’ll need Professional Liability insurance. It can cover associated costs when a client claims you gave bad advice, made a mistake, or missed a deadline and caused financial harm.

Public Liability insurance also does not cover injuries or damages caused by a motor vehicle. Please contact us for a complete list of exclusions.

The cost of general liability insurance is different for each business. Several factors influence the price you’ll pay for coverage, including your industry, the size of your business and how much coverage you want to purchase.