General liability insurance provides coverage for businesses in the event of third-party claims for bodily injury, property damage, or advertising injury. It helps protect businesses from potential financial losses resulting from lawsuits or liability claims. Here are some common general liability insurance coverages and optional add-ons:

• Bodily Injury Coverage: Bodily injury coverage protects your business if a third party claims to have suffered physical harm due to your business operations or premises. It covers medical expenses, legal defense costs, settlements, and judgments.

• Property Damage Coverage: Property damage coverage provides protection when your business causes damage to someone else's property. It covers the cost of repairs or replacement, as well as legal expenses if a claim is filed against your business.

• Personal and Advertising Injury Coverage: This coverage protects your business against claims of non-physical injuries, such as libel, slander, copyright infringement, or false advertising. It covers legal defense costs, settlements, and judgments.

• Products and Completed Operations Coverage: This coverage applies to claims arising from injuries or damages caused by your products or services after they have been sold or completed. It helps protect your business from liability claims related to defective products, faulty installations, or inadequate workmanship.

• Medical Payments Coverage: Medical payments coverage pays for medical expenses if a third party is injured on your business premises, regardless of fault. It provides a quick resolution and can help avoid potential lawsuits.

• Additional Insured Coverage: Adding additional insureds extends liability coverage to third parties, such as clients, vendors, or landlords, who may require proof of insurance.

• Contractual Liability Coverage: Contractual liability coverage protects your business against claims arising from a breach of contract. It covers legal defense costs and damages resulting from contractual obligations.

• Liquor Liability Coverage: If your business sells or serves alcohol, liquor liability coverage provides protection against claims related to injuries or damages caused by an intoxicated person.

• Hired and Non-Owned Auto Liability Coverage: This coverage extends liability protection to vehicles that your business rents, hires, or uses for business purposes but does not own. It covers damages or injuries caused by these vehicles.

• Professional Liability Coverage: Also known as Errors and Omissions (E&O) insurance, professional liability coverage protects professionals and their businesses against claims of negligence, errors, or omissions in the services they provide.

• Cyber Liability Coverage: Cyber liability coverage protects businesses from liability and financial losses resulting from cyberattacks, data breaches, or other cyber incidents. It covers costs such as legal expenses, notification and credit monitoring services, and potential liabilities.