Bodily Injury
Certain covered claims involving injury to a third party connected to business premises or operations.
General Liability Insurance
Protection for the unexpected claim.
General liability insurance can help address certain third-party claims connected to business operations. Trinity can help you review available policy choices, limits and carrier requirements.
Business Liability
Coverage for certain third-party
business claims.
01
Third-Party Injury
Subject to policy terms
02
Property Damage
Certain covered claims
03
Legal Defense
When provided by the policy
04
Business Operations
Coverage varies by carrier
General Liability
Business activity can create liability exposure.
Customers, vendors, property owners and other third parties can interact with a business in many different ways. Some situations may lead to claims involving injury or property damage.
General liability insurance is designed to address certain covered liability claims, subject to the policy’s terms, limits, exclusions and carrier requirements.
Coverage Areas
What may general liability address?
Exact coverage depends on the policy issued. The examples below describe common liability categories and are not a guarantee of coverage.
Property Damage
Certain covered claims involving damage to property belonging to another party.
Personal & Advertising Injury
Some policies address specified personal or advertising injury claims according to policy definitions and exclusions.
Defense Costs
Certain policies may provide legal defense for covered claims according to the conditions of the policy.
Everyday Business Activity
Liability exposure can arise wherever
a business interacts with others.
Business Situations
Liability can arise in many types of work.
The correct insurance structure depends on the type of business, its operations, customer interaction, location and carrier requirements.
Work performed at customer or job sites.
Business activity involving products and customer locations.
Customer interaction at qualifying business locations.
Work performed for customers at various locations.
Operations involving products, storage and distribution.
Eligibility depends on business operations and carrier rules.
Separate Insurance Needs
General liability does not replace every business policy.
Different risks may require separate insurance products. Policy terms and availability vary by carrier.
Commercial Auto
Business vehicle risks are addressed separately from general liability.
Commercial Auto →Workers' Compensation
Employee workplace injuries are generally handled through separate insurance.
Workers' Compensation →Professional Liability
Claims connected to qualifying professional services may require another policy type.
Professional Liability →Cyber Liability
Certain cyber and data-related risks may require separate insurance.
Cyber Liability →
Liability Situations
Claims can begin with ordinary business activity.
These examples are general illustrations. Whether a claim is covered depends on the actual policy, facts and circumstances.
01
A visitor is injured
A third party alleges injury at a qualifying business location.
02
Customer property is damaged
Business activity results in an allegation of damage to another party’s property.
03
A business receives a liability claim
A covered claim may involve legal defense or settlement considerations according to policy terms.
Commercial Operations
Different business activities can
create different insurance needs.
Getting Started
Start with how your business operates.
Information about your operations helps begin the general liability insurance conversation.
01
Describe your business.
Share your business type, services, locations and daily operations.
02
Discuss your exposures.
Customer interaction, job sites, products and property can matter.
03
Review policy choices.
Discuss available limits, deductibles and carrier requirements.
04
Choose your next step.
Review the available policy information before making a coverage decision.
General Liability FAQ
Common questions.
These answers are general. Policy terms and carrier requirements vary.
General liability insurance is a commercial insurance category designed to address certain covered third-party liability claims connected to business operations.
Certain policies may address covered third-party property damage claims. Coverage depends on the policy terms, exclusions, limits and circumstances of the claim.
Employee workplace injuries are generally addressed through workers' compensation or other applicable insurance rather than ordinary general liability coverage.
Business vehicle risks generally require commercial auto insurance or another applicable vehicle policy.
Information may include the type of business, operations, locations, payroll or sales information, prior coverage and other details requested by the carrier.
Coverage availability, eligibility, policy terms, limits, deductibles, exclusions and underwriting requirements vary by carrier, state and business. The examples on this page are general and do not determine whether a specific claim is covered. Insurance products are subject to the terms and conditions of the policy issued. Contact Trinity for product availability and coverage details.
General Liability Insurance
Protecting the business you work hard to build.
Tell Trinity about your business and operations to begin reviewing available general liability insurance choices.