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General Liability

General liability insurance, along with property and worker's compensation insurance, is essential for most businesses. Liability insurance protects a business for a covered loss in the event of a lawsuit due to injury or property damage of another caused by the business or its employees.

General liability insurance can be purchased separately or as part of a businessowner's policy. Such a policy bundles property and liability insurance, along with other coverages, into one policy. Businesses that need more liability coverage may purchase an umbrella (excess liability) policy.