Although General Liability coverage is quite broad, it does not cover everything. The exclusions to any policy issued by an Insurance Company are located in the Provisions section. However, some of the exclusions reflect exposures for which optional coverage's are available for an additional premium.

We briefly discuss the kinds of exposures that covered by General Liability Insurance as mentioned above. Now we will give you a more complete summary of what these coverage's are, and what they mean.

General Liability Insurance covers claims for injuries or damages resulting from:

Premises and Operations - The insureds business operations and ongoing business operations, where accidents could cause injuries to customers, visitors, and members of the public, or could result in property damage.

Products - This means the finished products after they have been sold to the customers. Please note that not all businesses have a products exposure.

Completed Operations - Work which has been done by the insured for another party, after it is completed. Please note that Construction Companies have a completed operations exposure, but many other businesses do not.

Advertising Offenses - General Liability covers the incidental exposures for Advertising Injury claims against an insured, who is not in the advertising business. A good example is copyright infringement.

Personal Offenses - General Liability covers Persona lnjury claims, such as libel, slander, or invasion of privacy.

Phone: 877-4-TIA-INFO (877-484-2463)
Fax: 877-FAX-4-TIA (877-329-4842)

email: theodore insurance agency