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Why do I need general liability insurance coverage?

AFI understands the risks your company faces and the importance of knowing your business is properly protected. Having general liability insurance coverage protects your business against third-party claims of bodily injury or damage to someone else's property. However, it does not protect your own personal property. This section explains what our business general liability insurance offers.


What is not covered?

  • Alleged or actual negligence

  • Damage to third party property Vehicles and boats

  • Personal injury;   Personal identifiable information

  • Advertising injury;   Professional services

  • Electronic data liability;   Employee injury / workers' compensation

  • Medical expenses;   Intent to injure

  • Worldwide insurance coverage;   Coverage outside policy period

  • Defense costs;   Known claims prior to start of policy

  • Actions of your full-time employees and temporary staff;   Supplemental payments



Your small business general liability insurance policy covers claims of:


Bodily injury: 

If you’re legally liable, general liability insurance covers claims by third parties for bodily injury. For example, your client slips and falls in your office (or you cause an accident at a client’s premises). If they sustain an injury, and you’re liable, we’ll cover the subsequent bodily injury claim.


Damage to third party property

Small business general liability insurance covers the costs of damage to a third-party’s property caused by you or your employee and for which you are legally liable.


Personal injury

General liability insurance coverage protects you against claims of libel or slander for which you are legally liable.


Advertising injury

Protects you against the unintentional use of a third party's advertising idea if it is used as part of your advertising. We’ll also protect you if your advertisement or marketing materials infringe a third party’s copyright or trade slogan.


Electronic data liability

Added for consultants and technology service providers; - if an employee damages a client’s property (e.g., a server) and the client's electronic data is damaged, Hiscox will cover any damages up to your limits of insurance for which you are legally liable.


Medical expenses

If an accident occurs and someone other than your employee is injured, your Hiscox business general liability insurance policy also covers any associated medical expenses for each injured person, up to $5,000.


Worldwide insurance coverage

We cover damage that occurs in the United States, its territories, and Canada. We also offer coverage for short periods of travel outside these areas.


Defense costs

If you are sued, it may appoint a lawyer, if necessary, even if the lawsuit is groundless. We'll pay these costs on your behalf and they will not reduce your limit of liability.


Actions of your full-time employees and temporary staff

Provides general liability insurance coverage for business-related actions of your full-time employees and temporary staff.


Supplemental payments

Covers the following expenses if incurred:

  • Legal defense costs.

  • Up to $250 a day for loss of earnings and reasonable expenses you may incur as a result of assisting us in the investigation of the claim against you.

  • Interest on damage awards.


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