General Liability insurance is one of the most common and most misunderstood policy lines.

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In this video, we explain what general liability covers, including bodily injury, property damage, and personal and advertising injury. You’ll also learn what general liability does not cover and why limits, endorsements, and additional insured requirements matter for compliance. This policy often affects COI approval, tracking, and ongoing compliance monitoring.

Why this matters: General liability is often assumed to cover all business risk, but its scope is more limited than many expect.

Misunderstanding general liability coverage can result in rejected certificates or uncovered claims due to missing endorsements or insufficient limits. Understanding this policy improves COI review accuracy and reduces compliance issues during certificate tracking.