Does General Liability Cover Everything? 🛡️
Many small business owners assume that once they purchase General Liability (GL) insurance, their company is fully protected against any loss.
While General Liability is an essential foundation, it mainly covers third-party risks:
✓ Third-party bodily injury
✓ Third-party property damage
✓ Personal & advertising injury
However, other critical risks require separate coverage:
Business property → Commercial Property
Employee injuries → Workers' Compensation
Professional mistakes → Professional Liability
Business vehicles → Commercial Auto
Key Takeaway: General Liability is an important foundation, but it is not a complete business insurance plan.
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