Beaumont Houston Contact
Beaumont: 409-951-3900 Houston: 713-669-0234 Contact Us Provider Look Up Pay My Premium
Logo
☰ ˟
  • Business
    • Commercial Auto
    • Commercial Property
    • Commercial Umbrella
    • Client Advisory Services
    • Employment Practices Liability Insurance (EPLI)
    • General Liability
    • Investment and Retirement
    • Small Business Insurance
    • Workers' Comp
  • Employee Benefits
    • Employee Benefits
    • Member Resources
    • Ask Us About Alternative Funding
    • Reference Based pricing
    • Direct Contracting Options
  • Personal
    • Auto Insurance
    • Flood Insurance
    • Homeowners
    • Watercraft & Boat
    • Motorcycle Insurance
    • Personal Umbrella
    • Recreational Vehicle
    • Tenant Dwelling
  • Individual Health Plans
    • Individual Health Plans
    • Individual Health Quote
  • Life
    • Life Overview
    • Whole Life
    • Universal Life
    • Term Life
    • Final Expense
  • Services
    • Ironwood Business Consulting
  • Blog
  • News
  • About Us
    • Our Story
    • Meet Our Team
    • Insurance Carriers
  • Contact Us
    • Contact Us
    • Our Location
Home > Blog > Where Does a General Liability Policy Provide Coverage?
FRIDAY, NOVEMBER 1, 2024

Where Does a General Liability Policy Provide Coverage?

man writing on paperGeneral liability insurance can provide protection against the resulting expenses if your business is held responsible for injuring a third party or damaging their property. When you buy a general liability insurance policy, you expect it to give you a wide range of protection.

But where does it actually protect you? Here's what you can expect.

At Your Place Of Business

Your place of business is the most obvious place you'll have coverage. It's the address you put on your policy and where most of your business happens. This applies whether you own the building, rent the building, or are in a shared office space.

If you have multiple locations, your policy will usually apply at each location. However, you should always double check your policy, as you may need to name your other permanent business locations in your policy.

At Client Sites

If you travel to your clients, you'll usually be covered when you're at their location as well. Most insurance companies customize their general liability insurance policies to your type of business. If you're in a traveling business—such as a contractor—you should automatically be covered when you're at each job site.

During Travel

If you need to travel, your coverage typically follows you wherever you need to go. This might include hotels, convention centers, and other meeting locations that don't belong to either you or your client. As long as you're engaged in business activities, your commercial general liability policy should cover most claims. Yet, take note that general liability insurance generally excludes incidents that occur on the road. To protect your business against liability concerns behind the wheel, it’s important to secure commercial auto insurance.

Check Your Policy

Keep in mind that your general liability insurance policy may have restrictions that limit your coverage. For example, it might exclude anything that happens in another country or state. You may only have coverage for a certain number of days at a specific location—after which you'd need to add it to your policy. Or, your policy may not explicitly exclude off-site work, but it may exclude the specific activity you're doing.

In any case, always carefully read your policy to know what particular coverage you have. For more information on general liability insurance, consult your trusted insurance agent.

Posted 6:17 PM

Tags: general liability
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021

  • insurance(67)
  • home insurance(63)
  • business insurance(60)
  • auto insurance(59)
  • business(10)
  • coverage(6)
  • commercial insurance(6)
  • liability(3)
  • commercial(3)
  • general(2)
  • general liability insurance(2)
  • commercial auto(2)
  • umbrella(2)
  • medicare(2)
  • benefits(2)
  • policy(2)
  • employee benefits(2)
  • small business(2)
  • commercial auto insurance(2)
  • group health(1)
  • professional liability(1)
  • insurance.commercial(1)
  • cyber risk(1)
  • accident(1)
  • personal(1)
  • workers(1)
  • cyber liability insurance(1)
  • belongings(1)
  • vision insurance(1)
  • owners(1)
  • employment(1)
  • business interruption(1)
  • renters(1)
  • workers compensation insurance(1)
  • costs(1)
  • bop(1)
  • contractors(1)
  • springtime maintenance(1)
  • winter health and wellness(1)
  • epli(1)
  • whole life term life(1)
  • vacation(1)
  • general liability(1)
  • commercial property insurance(1)
  • fall homeowners insurance audit(1)
  • health and medical(1)
  • life insurance(1)
  • practices(1)
  • travel insurance(1)
  • planning(1)

View Mobile Version
Personal Insurance Auto Insurance Flood Insurance Homeowners Watercraft & Boat Motorcycle Personal Umbrella Recreational Vehicle Tenant Dwelling
Commercial Insurance Commercial Auto Commercial Property Commercial Umbrella Employee Benefits General Liability Investment and Retirement Small Business Insurance Workers' Comp

About Us Our Story Office Locations JSE Team Insurance Carriers Request a Quote File a Claim
Main Office 4155 Phelan Blvd Beaumont, TX 77707 409-832-7736 Fx: 409-833-1721
© Copyright 2023 JS Edwards & Sherlock Insurance. All rights reserved.