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General liability insurance protects businesses when they're deemed to be legally responsible for property damage or personal injuries. In addition to accidents on your company's premises, this also covers events at customer locations and injuries or damage resulting from the use of your products. Overall, there are four main types of claim that are covered by our General Third-Party Liability: personal injury including slander or libel; medical expenses; bodily injury resulting in actual physical damage or loss; and property damage or loss.
Defending against litigation can be expensive, but liability insurance is designed to ensure cost-effective protection against legal proceedings. If your company has to pay damages — including legal fees, settlement charges and compensation —