General Liability insurance is the first major layer of protection for claims of bodily injury or property damage against your business. General Liability covers you, but it also covers many others involved in your business, such as:
• If you have a joint venture or partnership, all of your partners, members and their spouses are protected if they are sued for
something they do in an official capacity related to your business
• If your business is a corporation, your policy covers all of your business executive officers, stockholders and directors while
they are acting in their official capacities
• If you have subsidiaries, your policy liability coverage extends to any subsidiary where you own at least 50 percent of the stock
• Your employees are also protected from claims that result from actions they take in their capacity as employees.
• If you have a written agreement to indemnify a person or organization, such as a vendor, that
person or orginizatoin would be protected against liability claims for property damage or bodily injury as a result of selling or
distributing your products
• Anyone legally associated with your business, including volunteers working under your direction, are covered for liabilities that result from the work they do for you, and for the use or maintenance of your property that is in their care.