General liability insurance, explained

This is the most common business policy, and often the first one owners buy. Here is what it actually covers.

By the InsuranU team Updated July 20263 min read

General liability is the foundation most small businesses build their coverage on.

What it covers

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More from the business insurance checklist.

Coverage for advice and services, not accidents.

Bundling liability and property into one policy.

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Do I need general liability if I work from home?

Often still yes, especially if clients ever visit or you handle their property.

Is general liability enough on its own?

For some very small businesses, yes, but many need additional coverage as they grow.

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