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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