General Liability Insurance – What’s Covered and What’s Not
If you’re a business owner, you probably have General Liability Insurance—or you’re considering it. But do you know exactly what it covers… and what it doesn’t? In this video, business insurance expert Gordon Coyle breaks down the core protections included in a standard GL policy and highlights the gaps that could leave your business exposed to serious risk.
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✅ What General Liability Covers:
✅ Bodily Injury to third parties (on premises, jobsites, from products or completed operations)
✅ Property Damage to others (e.g., client property accidentally damaged by your team)
✅ Medical Expenses for non-employees injured on your property
✅ Legal Defense & Settlements for covered lawsuits
✅ Advertising & Personal Injury (libel, slander, false advertising claims)
❌ What General Liability DOES NOT Cover:
❌ Employee Injuries (requires Workers’ Comp)
❌ Professional Errors or Advice (requires Professional Liability/E&O)
❌ Auto Accidents involving company vehicles (requires Commercial Auto Insurance)
❌ Cyber Attacks or Data Breaches (requires Cyber Liability Insurance)
⏱ Timestamps:
00:00 – Intro: Why This Coverage Matters
00:57 – ✅ What General Liability Covers
03:11 – ❌ What General Liability Does NOT Cover
04:30 – Next Steps: Are You Fully Protected?
If you’re not sure whether your current coverage is leaving you exposed, now’s the time to find out. Most business owners discover gaps in their insurance after a claim—don’t let that be you. Watch now and take the next step toward smarter, more complete protection.
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