General Liability Insurance is generally the first insurance policy a business will purchase. It is the most basic of polices providing protection against situations where you would generally be legally liable in a court of law. If you have a covered claim, It also pays for the defense of such lawsuits up to the policy limit.
A basic general liability policy will generally provide protection against claims for bodily injury, property damage, personal injury & slander. Your policy will also cover general and compensatory damages for a covered claim.
A general liability policy will typically not pay for or defend your business against claims considered “professional”. If your business is based on providing advice or relying on expertise to perform your service, then it would typically be considered a professional exposure and you would need to add an endorsement or purchase a professional liability policy for protection.
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