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⚖️ General Liability Claims

General Liability Claims Insurance Claim: What Your Business Is Owed

Third-party bodily injury, property damage, advertising injury, product liability. Know what's covered, what's typically denied, and how to document your claim so the insurer can't lowball you.

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⚠ Informational only. Not legal advice. For legal representation, consult a licensed attorney in your state.
What's Typically Covered
  • Bodily injury to non-employees on or off premises
  • Property damage caused by your business operations
  • Personal and advertising injury (defamation, copyright)
  • Products completed operations liability
  • Legal defense costs (even groundless claims)
What Insurers Commonly Deny
  • Intentional acts by the insured
  • Injuries to employees (workers comp)
  • Professional errors (needs E&O policy)
  • Damage to your own property
Documentation Checklist
Gather these before contacting your adjuster. Missing documentation is the #1 reason claims are underpaid.
  • Incident report filed immediately
  • Photos of scene and injuries/damage
  • Witness statements
  • Preserve product samples if product liability claim
  • Do not admit fault or make payments without insurer authorization
Frequently Asked Questions
A customer says my product injured them. Does my commercial insurance cover that?
Yes. Products liability is included in standard commercial general liability policies. Report the claim immediately. Your insurer defends and pays within policy limits.
Search Keywords People Use
If you found this page searching one of these terms — you're in the right place.
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General Liability Claims Claims by State
Insurance law varies. Find your state's specific rights and statute of limitations.
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If Your Claim Was Denied

  • Request denial in writing
  • Get the specific exclusion cited
  • File a complaint with your state commissioner
  • Consult an insurance claim attorney
  • Check bad faith law in your state

Average Claim Gap

$14,200

That's the typical difference between an insurer's first offer and the amount the policy actually supports for commercial property claims.