In a business context, what does general liability insurance typically exclude?

General liability insurance is designed to protect businesses from a wide range of liabilities, particularly those arising from bodily injury, property damage, and personal injury claims. However, it does have specific exclusions to manage the types of risks it covers.

Claims arising from employee injury on the job are typically excluded from general liability insurance because these types of injuries are covered under workers' compensation insurance. Workers' compensation is a separate policy that specifically addresses injuries and illnesses suffered by employees in the course of their employment. This separation exists to ensure that employees are adequately covered for workplace injuries while also protecting the business from potentially high liability claims associated with employee injuries.

On the other hand, defamation suits, accidental property damage, and incidents related to customer interactions may be covered under general liability insurance, as these scenarios fall within the scope of ordinary business risks that the insurance is designed to mitigate. Therefore, the exclusion of employee injury claims from general liability insurance is a critical aspect of how this type of policy is structured.