General liability

In practiceA customer slips in your shop and breaks a wrist, or your worker cracks a client's window, and this pays the injury or damage claim and defends you.

Not coveredIt won't cover a claim that you gave bad professional advice, that is Errors and Omissions.

In practiceA competitor says your ad copied their slogan, or a comment is called defamatory, and advertising-injury coverage handles the fallout.

Not coveredDeliberate or knowingly false statements are generally excluded.

In practiceA property manager or general contractor won't let you start until you show a certificate, and this is usually the policy they are asking for.

In practiceFrom a one-person trade to a busy storefront, the limits and premium scale to the size and risk of what you actually do.

Not coveredDamage to your own building or stock is property insurance, not liability.

In practiceAs you add staff, a location, or a bigger client, the policy adjusts so your everyday exposure stays covered.

Not coveredLosses excluded by the base policy (like pollution or professional advice) stay excluded as you grow.