What Your General Liability Insurance Does Not Cover

​Also called business liability insurance, the general liability insurance is meant to protect you as well as your business from claims that involve bodily injuries from your services, your products or your operation. It also can cover your lawyer’s fees for property damage. In fact, almost every business requires general liability insurance if they want to prioritize adequate protection. However, you should know its limits.

​Damages to Your Own Property
When you know the gaps in your policy, you can take instant action in order to know that you are not taking in unnecessary risks that could cost you too much in the long run. One thing you have to know about general liability insurance though is that it can cover property damages. 
However, there are only specific circumstances such as damages to your property from a third-party lawsuit like one coming from a customer. If one of your employees dropped some of your goods by mistake or made an error in the factory that caused damage to many of your goods, that is beyond the scope of general liability insurance.

Intended Damage
Your general liability insurance does not cover any damage that you deliberately did to your own product or property. Even if one of the insured parties in your policy such as one of your subcontractors did the damage intentionally perhaps out of anger or any uncontrollable emotion, the general liability insurance does not cover it. 

Employee Injuries
Injuries to any of your employees are not covered by your general liability insurance. However, it does cover accidental third-party injuries such as if your customer slips on the floor in your restaurant and falls. However, if one of your chefs got burned in the kitchen, you cannot use your policy to cover his medical expenses or even a possible lawsuit.

Vehicles
Your general liability insurance cannot cover damages to your vehicles while they are used for work or business purposes. If you have a truck that you use to haul tools to a particular construction site, you will need a different type of insurance to cover possible vehicular accidents.

Professional Errors
Your general liability insurance cannot cover costs due to faulty workmanship or potential lawsuits caused by poor advice that you gave to a customer. You will need a different type of coverage in case you commit professional mistakes. 

Some Final Words
Your general liability insurance policy covers all accidental third-party damages. However, all other damages caused by you or your employees as well as your own mistakes are beyond the coverage of this particular insurance policy. If you want to learn more about general liability insurance, visit us on our website today.

At Ideal California Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 241-4515 or Click Here to request a free quote.