General Liability and Property insurance

General liability insurance protects a business from another person or business's claims of bodily injury, associated medical costs and damage to property. Here's a list of example claims that could be covered.

• Bodily Injury: A client falls over your bag and you are legally liable for the injury. The carrier will cover the subsequent claim and related medical expenses up to your General Liability policy's limits of liability.
• Property Damage and Data Loss: You spill coffee on a client’s server causing damage and loss of data. The carrier will cover the subsequent claim up to your General Liability policy's limits of liability.
• Personal Injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. The carrier will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.