Question: How does general liability coverage protect my business?
Answer: General liability insurance can protect you if an individual or another business claims your company or your employee was negligent and is responsible for bodily injuries, property damage, financial loss, personal injury or advertising injury. Not only can liability insurance pay the cost of covered damages, it can also cover attorney fees and other costs associated with your defense. Given today's litigious society, good liability insurance protection is essential for your business' financial well-being.
Think of all the reasons you could be sued. A client holds you responsible for damage to his or her property that's in your care. A visitor slips and falls on your premises. A competitor or customer sues you for false advertising claims. Your landlord claims your employees were responsible for a fire in your building. All these types of claims and more could be covered by a good general liability insurance policy.

Question: What exactly does the term bodily injury mean in a liability insurance policy?
Answer: This refers to injury, sickness, disease, or even death, of any person that occurs during the policy period.

Question: What does personal injury mean in relation to general liability coverage?
Answer: Someone who holds you responsible for his or her "personal injury" may be alleging a variety of things, none of which are necessarily related to physical injury. He or she could be claiming you are responsible for libel, slander or some defamatory or disparaging material, or for publishing or uttering something that is in violation of his or her right of privacy. Someone could sue you for wrongful entry, or for invading his or her right of privacy. Make sure your liability policy would cover such personal injury claims, including claims resulting from the Cyber world.

Question: What is employment practices liability insurance (EPLI)?
Answer: Employment practices liability insurance is designed to protect employers against claims of employee sexual harassment, discrimination or wrongful termination. Many insurance companies offer Employment Practices Liability Insurance (EPLI) as a stand-alone policy or as part of a Directors & Officers Liability policy. Even "good" employers can be slapped with huge employee lawsuits, so every company should consider adding EPLI to their business insurance program.