As a lawyer, I can provide legal advice on the common types of liabilities covered by general liability insurance. General liability insurance is designed to cover a broad range of potential liabilities that a business may face. Here are some of the most common types of liabilities covered by general liability insurance:
- Bodily injury liability: This type of liability covers the costs associated with bodily injury that may occur to third parties on your premises or as a result of your business operations.
- Property damage liability: This type of liability covers the costs associated with damage to third-party property as a result of your business operations.
- Personal and advertising injury liability: This type of liability covers the costs associated with third-party claims of libel, slander or defamation, as well as violations of privacy, copyright infringement, and other forms of intellectual property infringement.
- Products and completed operations liability: This type of liability covers the costs associated with injuries or damages that may result from the use of your products or services or from the work that you have completed.
It is important to note that there may be limitations or exceptions to the coverage provided by general liability insurance. For example, intentional acts, fraud, and certain types of professional liability may not be covered by a general liability policy. It is also important to review your policy documents and any endorsements or exclusions to ensure that your coverage meets your specific needs.
If you have any questions about general liability insurance or the types of liabilities covered, it is recommended that you consult with a licensed attorney or insurance professional who can provide more specific guidance based on your individual circumstances.
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