What is general liability insurance, and why is it essential for your business? In this video, we break down general liability insurance (GL insurance) in simple terms, what it covers, what it doesn’t, and why every business owner should care. Whether you’re new to business or reviewing your current policy, this 10-minute guide will help you better understand how to protect your company from costly lawsuits, accidents, and claims.
👉 For expert business insurance guidance, contact us here: https://thecoylegroup.com/contact
👉 Visit our homepage: https://thecoylegroup.com
In this video, you’ll learn:
✅ What general liability insurance is and who it’s for
✅ Key coverages: bodily injury, property damage, advertising injury, and more
✅ Common claim scenarios: slips & falls, product liability, contractor claims
✅ What’s not covered: auto, employment, pollution, and other exclusions
✅ How GL insurance fits within a BOP (Business Owner’s Policy)
✅ Why excess or umbrella liability insurance might be necessary
✅ Stay informed and make smarter insurance decisions for your business.
📞 Call us at: 845-474-2924
📧 Email: gbcoyle@thecoylegroup.com
⏱️ Timestamps:
00:00 – Introduction: Why General Liability Insurance Matters
00:34 – Meet Gordon Coyle
00:52 – What Is General Liability Insurance?
01:32 – General Liability in a BOP (Business Owner’s Policy)
01:54 – Why Your Business Needs GL Insurance
02:38 – Premises Liability Explained
03:21 – Operations Liability (e.g., Contractors)
03:48 – Products & Completed Operations Liability
04:39 – Advertising & Personal Injury Coverage
05:14 – What’s NOT Covered by General Liability Insurance
05:27 – Auto Liability Exclusions
05:42 – Employers & Employment Practices Liability
06:00 – Intentional Acts & D&O Claims
06:19 – Pollution Liability Exclusion
06:28 – Product Recall Exclusion
07:05 – Other Common Policy Exclusions
08:00 – Why You Must Read Your Policy
08:38 – Consider Umbrella / Excess Liability Coverage
09:26 – Final Thoughts & How to Get Help
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#InsuranceAdvisor #BusinessRiskProtection #CoyleGroup
#GordonCoyle #InsuranceEducation
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Great breakdown, Gordon! One area that catches a lot of pet-related businesses or dog-friendly offices off guard is how standard GL policies handle bites or pet damages. They usually assume standard GL covers everything, only to realize later that specialized Animal Liability Insurance or specific pet endorsements are required to fill that gap. Really highlights your point about knowing what’s excluded!
Great overview of all the different types of insurance policies. Thank you!
People should not be able to sue because of their own clumsiness
They make it confusing on purpose so they can milk as much out of the business owners as possible regardless of whether they filed a claim or how long they've had the policy with no issues they don't give a s*** insurance companies are ruining the ability to make money in this country you wonder why there's not that many small businesses they can't afford insurance!
Thank you
Thank you 🙏
What if a tree trimmer drops a tree on somebody fence
Are you here? I have a question
Very well explained, thanks!
Excellent video.
Thank you, was very helpful
good
Thank you for the video. Did you say hired vehicles could be covered with BOP coverage?
Great video!
Thank you for the information and your time!!
Thank you very much.
Would GL be the way to go for someone that is placing/ installing vinyl signs up for a company. The person is subcontracted and the company he works for is now requiring he have ins. Also, he doesnt have an LLC just his name. He is also the only subcontractor they use
I think it would help if you had someone to flip your cue cards for you.
Good info – thanks
So I need a business to get gl insurance?
Great information thank you so much for explaining.
Which form do I use to get General Liability, Umbrella and Workers Comp Insurance?
Is this a good choice for a moving company?
mi bu zsdZ
thank you to all the people working in insurance, so that we dont have to 🖖
Very helpful, easy to understand . kept is simple and direct. Thank you very much.
Good content. However, I'd recommend you to add more visuals while you explain an individual topic. This will make it easier for viewers to understand better.
Thank you ! I’m a new licensed agent so helpful!
Great video is commercial general liability insurance recommended for a landlord owning a multi family rental property in nyc?
Thank you 😊 I’m in personal lines currently and moving to commercial. I’m excited and ready to take on. It’s a great move for me and will keep me involved.
thank you!
Does the commercial general liability covers me if someone has bodily harm? Like if an employee cause bodily harm to a customer. Can the customer sue me and my insurance company.
Would a contractor’s “General Liability” insurance (as listed on an ACORD 101) cover damages to a customer’s property caused by an employee of the contractor, and by a subcontractor hired by he contractor.
Thank you sir. Your video is very informational and you explain clearly and simply.
What about a mobil auto paint and detail business like doing small paint jobs at a clients driveway? Wich insurance would you recommend, ? Great video much appreciated
What’s the best insurance company for a mobile caterer. 0 employees, one man show.
Hey Colye,
Do you allow your video's to be shared as an educational?
Subscribed.
Do you need a llc for general liability. I need the insurance for a construction job so I'd be doing sub work but don't have a business or anythimg the general contractor said he doesn't have employees but subs the work out
Nice, I got a company name to work with a staffing agency to provide support service in the oilfield, Do i need a general liability or personal liability.
What about damage to premises to you? It’s it only for loss due to fire?
I am preparing for a commercial insurance Podcast, this was very helpful in terms of getting my questions lined up. I def learned a few things.
How will carriers address the continued of incandescent bulbs in buildings now that the Biden Administration has outlawed them? Do you forsee pollution related lawsuits arising from this/.
8:55 when u said ("bodily )injury do I need to improve my listening skills or will you be pronounce it more effectively coz your videos are being watched in entire world so accent might be fast plz make video with understandable accent so we can understand it properly. Thank you😊😊
I’m trying to figure out what insurance I need to run my basketball coaching and training business,, any info from anyone would be appreciated!!
Hi! We are a small company. Family bussiness. We are doing nerf gun wars all across the whole town. Rent + public places. What kind of insurance do we need? GL or + property insurance as well?
Thank you..!
OK, so what if a 3rd party damages their vehicle on the insured premises. Will this be covered under the GL policy? Also, when you say "owned autos" , do you mean vehicles that the insured owns??
Thank you, and I hope to speak with you in helping me obtain GL for my business