What is General Liability (GL)?
Insurance glossary entry on BeCovered.ai for the term "General Liability (GL)": Business coverage for third-party bodily injury, property damage, and personal/advertising injury from operations. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Business coverage for third-party bodily injury, property damage, and personal/advertising injury from operations.
Understanding General Liability (GL)
GL is foundational for contracts requiring insurance. It does not cover professional mistakes (E&O) or employee injuries (workers comp). Each occurrence vs claims-made matters for tail coverage.
Examples
- Customer slips in retail store—GL pays defense and settlement within limits.
- Contractor damages homeowner flooring—GL property damage pays.
Common Questions About General Liability (GL)
GL vs professional liability?
GL covers bodily injury/property damage from operations; professional liability covers economic loss from bad advice or errors in professional services.
Does GL cover my subcontractors?
Generally you remain responsible for jobsite liability—require subs to carry GL/WC and additional insured status when appropriate.
Related Insurance Types
Related Terms
Liability
Legal responsibility for causing harm or damage to another person or their property.
Umbrella Insurance
Extra liability coverage that kicks in when your auto, home, or other policy limits are exceeded.
Coverage Limit
The maximum amount your insurance company will pay for a covered claim.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.