General liability insurance can help protect your business from the unknown
Business liability insurance coverage is something most businesses simply must have, so it’s essential that you understand what it does and doesn't cover.
Here are some general liability insurance coverage rules of thumb. To be sure about your specific business needs, be sure to consult with a qualified business insurance agent.
What’s typically protected
Lawsuits, investigations and settlements
Medical expenses, attorney fees and damages you are legally responsible for
Abuse coverage for liability
Professional liability
What's typically not protected
Employee injuries
Auto-related coverage
Intentional acts
Determining what you need
Businesses like yours
See what other companies in your industry typically choose for coverage.
Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.
Product and completed operations liability
Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.
Employment-related practices liability
Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made against you by an employee.
Directors and officers liability
Provides coverage for situations where a poor decision was made by a company's board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.
Liquor liability
Protects you against claims for injury for selling, serving or furnishing any alcoholic beverage during your business operations.
Fire legal liability
Provides coverage if your negligence causes fire damage to premises you rent or occupy with the landlord’s permission.
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.