A General Liability policy provides protection against claims for bodily injury, property damage, personal injury, or advertising injury that may arise in the course of business.

Here are a few examples of what General Liability typically covers:

• Bodily injury: An influencer causes injury to a third party while promoting a brand. The injured party sues, seeking damages for pain, suffering, and medical expenses.

• Property damage: An independent contractor installs faulty equipment and causes damage (e.g. fire) to the client's premises.

• Personal injury: Claims for non-physical harm resulting from defamatory or slanderous statements made by a spokesperson when speaking about a competitor's product.

• Advertising injury: Another type of non-physical harm that can result from copyright infringement, false advertising, and trademark infringement alleged to have occurred in the course of advertising a business. E.g. a freelancer uses a competitor's intellectual property while advertising their services.

A General Liability policy also protects the enterprise client and their brand by providing an additional insured status, as required of the independent contractor.