Which liability coverage does general liability insurance provide?

General liability insurance provides coverage for public liability. This type of coverage is designed to protect businesses from claims involving bodily injury, property damage, and personal injury that may occur on their premises or as a result of their operations. Public liability is crucial for businesses that interact with the public, as it helps shield them from financial losses that could arise from lawsuits relating to accidents or injuries that affect third parties.

While other types of liability coverage exist, such as automobile liability—which specifically addresses damages arising from vehicle use—professional liability, which pertains to errors and omissions in professional services, and product liability, which covers damages resulting from defective products, they are not typically part of a general liability insurance policy. General liability insurance focuses broadly on the risks of third-party claims against a business and does not encompass these specialized areas.