General Liability and Property Package coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location. Some client contracts also refer to these policies as Comprehensive Commercial Liability. It is important to remember that these policies exclude errors and omissions type claims related to the delivery of your professional services.

Typically offered as a general liability and property package policy, coverage is also provided for theft or destruction of your company's computer hardware and software and other assets (see property coverage) such as office furnishings and equipment up to a specified amount.

General liability coverage may be described in your contract in this way: "Supplier will maintain at its expense: Comprehensive General Liability Insurance or Commercial General Liability Insurance policy limits shall be not less than a Combined Single Limit for Bodily Injury, Property Damage, and Personal Injury Liability of $1,000,000 per occurrence and $2,000,000 aggregate."

Why do I need a General Liability Insurance?

Business Liability insurance protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverages may not be available on all policies or in all states)

• Automatic Additional Insured. Coverage is automatically provided when required in a written contract, agreement or permit.
• Personal and Advertising Injury. Covers you for certain offenses you or your employees commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
• Employment Practices Liability. Covers claims, including legal defense costs, for certain employment-related lawsuits brought against you by your employees or job applicants ($5,000 limit where available).
• Defense Costs. Pays legal expenses for certain liability claims brought against your business regardless of who's at fault.
• Medical Expenses. Pays the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.
• Premises and Operations Liability. Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business's operations.
• Tenant's Liability. Protects your business against claims of damage due to fire or other covered losses caused by you to premises that you rent.

Note: This summary outlines in general terms the coverages afforded under some policies. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.