Home Insurance Types of General Liability Insurance And What You Need To Know

Types of General Liability Insurance And What You Need To Know


If you own a business, you need to have general liability insurance. This type of insurance protects businesses from claims arising from injury, property damage, and personal injury due to the negligence of the business. There are different types of general liability insurance, and it’s important to know which one is right for your business. Here, we will explore the different types of general liability insurance and what you need to know about each one.

What is general liability insurance?

General liability insurance is one of the most important types of insurance for businesses. It provides protection against claims arising from injuries or damage to property. General liability insurance can help cover the costs of medical expenses, lost wages, and legal fees.

There are two types of general liability insurance: primary and excess. Primary insurance provides coverage for the first dollar of a loss, up to the policy limit. Excess insurance provides coverage for losses above the primary policy limit.

Businesses should purchase enough general liability insurance to protect their assets. The amount of coverage will depend on the type and size of business, as well as the potential risks involved in its operations.

Types of general liability insurance

There are three main types of general liability insurance: product liability, professional liability, and premises liability.

Product liability insurance protects manufacturers and sellers from lawsuits stemming from injuries or damage caused by their products. Professional liability insurance, also known as malpractice insurance, protects service providers from being sued for errors or omissions in their work. Premises liability insurance protects property owners from lawsuits related to injuries or damage that occur on their property.

Each type of general liability insurance has different coverage limits and exclusions, so it’s important to understand what each policy covers before buying one. For example, product liability insurance typically excludes intentional damage or defects, while professional liability insurance often excludes claims arising from criminal acts.

When choosing a general liability insurance policy, businesses should consider their risks and purchase a policy that provides adequate coverage. It’s also important to review the policy periodically to make sure it still meets the business’s needs.

How to get general liability insurance

There are a few things you need to know and do in order to get general liability insurance. First, you need to understand what general liability insurance is and what it covers. General liability insurance protects your business from third-party claims of bodily injury, property damage, and personal injury that occur as a result of your business operations.

Next, you need to determine whether your business needs general liability insurance. If you have any employees, if you provide any professional services, or if you sell any products, then you should strongly consider getting general liability insurance.

Once you’ve decided that your business needs general liability insurance, the next step is to find an insurer. You can shop around for different insurers that offer general liability insurance, or you can work with an insurance who can help you find the right policy for your business.

When shopping for general liability insurance, be sure to compare quotes from multiple insurers and ask about any discounts that may be available. Once you’ve found an insurer and a policy that meets your needs, be sure to read over the policy carefully before signing anything so that you fully understand the coverage.


There you have it! A quick run-down of the different types of general liability insurance and what they cover. As you can see, there is a lot to consider when it comes to protecting your business from potential lawsuits. But with the right policy in place, you can rest assured knowing that your business is well-protected. Do you have any questions about general liability insurance? Let us know in the comments below and we’ll be happy to help out.

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Oliver James is a UK-based professional blogger, content writer, and content marketer who writes about travel and tourism, finance, real estate, and other topics on his blog. Passionate about writing, traveling, and getting the best deal on everything he buys, Oliver also writes for customers and helps them publicize their products, and services in the US and UK markets. He is a traveler who has visited over 35 countries and loves his job because it gives him the opportunity to find stories, experiences, and places which he can share with his readers. Oliver James is a professional blogger, content marketer, traveler, and electronics enthusiast. He started blogging in 2016 and has become a contributing writer for several blogs, including Android Authority and Elecpros. Oliver has also published his own informational books with Kindle Direct Publishing on subjects like Flappy Bird and Google Cardboard.