# General Liability Insurance

- Link: https://legacybuildersamerica.com/general-liability-insurance/
- Published: 2026-10-14T16:30:47-04:00
- Author: contact

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Insurance explained

# General Liability Insurance

Learn how business liability differs from property, professional liability and employee
injury protection.

[Discuss This Coverage](https://legacybuildersamerica.com/quote/) [Speak With an Agent](https://legacybuildersamerica.com/general-liability-insurance/+13057496303)

![Business owner standing inside her plant shop](https://legacybuildersamerica.com/
wp-content/uploads/2026/10/lba-selected-business-owner.jpg)

Published by Legacy Builders Insurance Agency · Updated October 14, 2026.

## What it can help address

General liability may respond to specified third-party bodily injury, property damage
and personal or advertising injury claims arising from business operations. Whether
a claim is covered depends on the actual policy, exclusions, limits and circumstances.

A customer’s covered injury at a business is a different exposure from damage to
the business’s own inventory. Liability insurance does not automatically insure 
the property you own.

## Limits and underwriting: what to review

### Two limits to recognize

The **each-occurrence limit** caps what the policy pays for a covered occurrence.
The **general aggregate** caps payment for covered losses to which that aggregate
applies during the policy period. Products-completed operations may have a separate
aggregate. These are ceilings, not automatic claim payments.

Ask how defense expenses, deductibles and self-insured retentions work. Check covered
operations, locations, exclusions and any umbrella policy’s terms; extra limits 
do not automatically cover excluded losses.

### What an underwriter may ask

Be ready to describe your work, locations, revenue or payroll, subcontractors, prior
claims and requested limits. The insurer may ask for safety information or review
contracts. Some premiums are subject to an audit using actual exposures at the end
of the term. Ask whether your proposed policy is auditable and what records to keep.

## Certificates and additional insureds

A landlord or customer may ask for a certificate of insurance. The certificate summarizes
evidence of coverage; it does not change the contract. Additional insured protection
depends on the policy wording and applicable endorsements.

Bring your contract to an agent before promising that its insurance requirements
are satisfied.

## Three common questions

### Does it replace professional liability?

No. Claims involving professional errors or omissions can require different protection.

### Does a BOP include every risk?

No. A Business Owners Policy commonly packages eligible property and liability coverage.
Eligibility, coverage and exclusions vary.

### When should I review my policy?

Review after adding employees, services, locations, products or major contracts.
Tell your agent about operational changes.

[Compare other commercial coverages →](https://legacybuildersamerica.com/commercial-business-insurance/)

General education only. Policy language, limits, exclusions, underwriting and state
law control. A website inquiry does not bind or change coverage.

References: [The Hartford: general liability](https://www.thehartford.com/general-liability-insurance);
[certificate of insurance](https://www.thehartford.com/business-insurance/certificate-of-insurance-coi).

## Make your next coverage decision with clearer answers

Tell an agent what you need to protect, then review the options available for your
situation.

[Request a Quote](https://legacybuildersamerica.com/quote/)

[Return to the Learning Center →](https://legacybuildersamerica.com/blog/)

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and businesses through customized insurance solutions.

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Legacy Builders of North America LLC, DBA Legacy Builders Insurance Agency, is an
independent insurance agency. Products depend on state licensing, insurer appointments,
eligibility, underwriting and policy terms. A website inquiry does not bind or change
coverage.

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