General liability insurance.

Commercial general liability insurance addresses certain third-party bodily injury, property damage and personal or advertising injury claims, subject to policy terms. It is often part of a broader business insurance program.

General information. Actual coverage depends on the policy.

Tell Daniel what your business actually does, where customers encounter it and whether work continues at client locations. Include products you sell, services you perform and subcontractors you use. A broad description such as contractor or consultant may leave out important details. The purpose of the conversation is to match the operation with the coverage being offered and identify exclusions that deserve attention before you buy.

If a customer, property owner or general contractor requires insurance, share the written requirements early. Ask about the requested limits, additional-insured provisions and any endorsements. A certificate can summarize policy information, but it does not itself expand the policy. Reviewing the requirements before choosing coverage helps identify requests that need an insurer’s agreement or a different policy arrangement.

The type of product or service and its exposure to claims affect the liability insurance discussion. Compare coverage for your actual operations, the limits offered and relevant exclusions alongside the premium. Ask which business information the insurer uses to price the policy and whether any figures are estimates. A low quote is less useful if it excludes the work that creates your main exposure or fails a contractual requirement.

General liability is one part of a business insurance plan. Damage to your own equipment, professional mistakes, vehicle accidents and employee injuries can require different coverage. If you also need premises or contents protection, ask whether a business owner’s policy is suitable. Bring current policies and a clear description of those exposures so Daniel can help organize the next steps without treating one liability policy as an answer to every risk.

The right quote should make the coverage easier to understand. Here are useful things to review with Daniel.

• Per-occurrence and aggregate limits
• Products and completed operations
• Additional-insured requirements
• Exclusions for your specific work