General Liability insurance protects your company from some of the fundamental risks that come with running a business. General Liability will cover a wide range of risks by paying for the costs of litigation as well as restitution for the injury. These costs can include court-awarded damages, settlements, and medical costs.
In General Liability insurance, the insuring clauses set the stage. They tell you what the policy will do, who it will apply to and what specific terms you need to pay attention to. They are separate clause because they describe different types of risks and, as a result, may have different terms, conditions, limits of liability or retentions.
You will have to consult your policy documents to confirm exactly what coverage your General Liability insurance provides but here are a few scenarios that typically would and would not be covered: