Third-Party Injury Claims
Coverage may respond when a third party alleges bodily injury caused by a qualifying business-related event covered by the policy.
General Liability Insurance
General liability for everyday business risks.
General liability insurance can help with qualifying third-party bodily injury, property damage and certain personal or advertising injury claims arising from business operations.
Business Liability
Coverage for certain third-party
claims connected with business activity.
01
Bodily Injury
Third-party claims
02
Property Damage
Damage to others' property
03
Personal & Advertising Injury
When covered by the policy
04
Defense Costs
Subject to policy terms
Third-Party Liability
Routine business activity can still lead to a liability claim.
Customers can visit your location. Employees can work at a client's property. Products can leave your premises. Completed work can remain in use long after the job is finished.
General liability insurance is designed to address certain third-party liability exposures arising from business activities, subject to the policy's limits, conditions and exclusions.
General Liability Coverage
What may a general liability policy address?
Coverage depends on the policy issued, the facts of the claim, applicable limits, endorsements and exclusions.
Third-Party Property Damage
Coverage may address qualifying allegations that the business damaged property belonging to another person or organization.
Personal & Advertising Injury
Certain policy forms may address qualifying claims involving specified personal or advertising injuries.
Premises Liability
Liability coverage may become relevant when qualifying third-party injuries occur in connection with insured business premises.
Ongoing Operations
Certain claims arising while work is being performed may fall within the policy's premises and operations liability coverage.
Products & Completed Operations
Coverage may address qualifying liability claims involving products or completed work after the work or product leaves your control.
Premises & Operations
Liability exposure can begin
wherever the business interacts with others.
Everyday Business Activity
Your location and your work can both create liability exposure.
General liability can apply to certain claims arising from the business premises or from qualifying operations performed away from the primary location.
01
Customer visits
Retail shops, offices and other customer-facing locations can create premises liability exposure.
02
Work at client locations
Contractors and service businesses can face liability claims while performing work elsewhere.
03
Damage to third-party property
A qualifying accident can result in allegations involving property belonging to someone else.
04
Completed work
Certain liability can continue after a qualifying job has been completed.
Business Situations
Liability exposure looks different across businesses.
Business activity, premises, products and customer interaction all affect the coverage discussion.
Retail & Customer Locations
Customer visits can create bodily injury and other premises-related liability exposure.
Contractors & Trades
Work performed at customer locations can create bodily injury or third-party property damage exposure.
Products & Distribution
Businesses selling or distributing products can face certain liability claims after products leave their control.
Office & Service Operations
Office-based businesses can still have premises and ordinary business liability exposures.
Products & Completed Work
Liability can continue after the job or sale is finished.
Commercial general liability commonly includes a products and completed operations component, subject to applicable policy terms and exclusions.
Certain claims may arise after contracted work has been completed.
Certain claims may involve products after they leave the business.
A claimant may allege injury connected with qualifying completed work or products.
Certain completed operations claims can involve damage to third-party property.
Products & Operations
Business liability can continue
beyond the point of sale or completed job.
Separate Insurance Needs
General liability does not replace every business policy.
01
Professional Liability
Claims involving professional errors, omissions or services may require professional liability.
02
Commercial Auto
Business vehicle liability is handled through commercial auto coverage rather than ordinary general liability.
03
Workers' Compensation
Employee work-related injury coverage is handled separately, subject to applicable state rules.
04
Commercial Property
Damage to your own building, equipment or inventory generally requires property coverage.
Contracts & Policy Requirements
Business agreements can affect insurance needs.
Landlords, clients, project owners or other organizations may set insurance requirements within business agreements.
01
Required liability limits
Contracts may specify liability limits that the business must maintain.
02
Additional insured requests
Certain contracts may request additional insured status, subject to insurer approval and policy terms.
03
Evidence of insurance
A client or property owner may request documentation showing applicable coverage.
04
Policy wording
Contract requirements should be reviewed against the actual insurance policy.
Policy Review
Look beyond the name of the policy.
Liability Limits
Review the limits applying to covered claims and applicable policy aggregates.
Business Activities
Make sure the policy reflects the operations actually performed by the business.
Endorsements
Added endorsements can change coverage, conditions or insured parties.
Exclusions
Review excluded risks and activities before relying on the policy.
Getting Started
Start with the work your business performs.
Business operations and customer interaction help frame the liability review.
01
Describe the business.
Share business activities, locations and the work performed for customers.
02
Review liability exposure.
Consider premises, operations, products and completed work.
03
Review contract needs.
Identify limits or insurance requirements contained in business agreements.
04
Review policy terms.
Check limits, endorsements, exclusions and other applicable conditions.
General Liability FAQ
Common questions.
Coverage varies by business, insurer and policy form.
General liability can address qualifying third-party bodily injury, property damage and certain personal or advertising injury claims, subject to policy terms.
General liability is primarily third-party liability coverage. Damage to the insured business's own building, equipment or inventory generally requires applicable commercial property coverage.
Professional-service errors or negligence claims may require professional liability coverage rather than ordinary general liability.
Products and completed operations refers to certain liability exposure involving products or completed work after the product or work is no longer in active control of the business.
A client, landlord, project owner or other organization may request evidence that applicable business insurance is in place.
Information may include business activity, locations, revenue, customer interaction, products, subcontracting, prior coverage and claim history.
General Liability Insurance
Review liability coverage around the work you perform.
Tell Trinity about your business, customers and operations to begin reviewing available general liability insurance options.
Coverage availability, eligibility, policy terms,
limits and exclusions vary by product and carrier.
Contact Trinity for product availability and
coverage details.