Couch Braunsdorf: Glossary of Terms General Liability Coverage

This glossary is intended to provide a general overview of policy types and available coverage. Specific policy language must be referenced to determine the exact coverage, terms, conditions, and exclusions contained in that policy.

General Liability coverage protects your business against liability arising from your business operations of providing products and services to others.

Personal Injury protects your business in the event of injury due to false arrest, detention, imprisonment, or malicious prosecution; libel, slander, and defamation of character; wrongful eviction; invasion of privacy; or personal injury assumed by a contract. Coverage is enforced by court decision holding your company liable.

Advertising Injury protects your business from lawsuits arising from your advertising or promotional activities, including, unfair competition, unknowing infringement of copyright, or slander and libel.

Medical Payments pays for medical expenses incurred by persons as a result of injury arising from an accident on your premises.

Fire Damage Legal protects your business against financial loss in the event your leased or rented property is damaged due to fire or explosion caused by your operations.

Incidental Medical Malpractice protects your business when liability arises from the administration of medical aid by an employee which results in injury to another employee or client.

Professional Liability provides coverage for claims that arise due to your failure to render professional services properly resulting in a suit against you or your company.