What General Liability Insurance Does NOT Cover

Most owners assume general liability covers everything. Here's what it actually excludes — and which separate policies fill those gaps.

Coverage Explained | 8 min read | 2026-04-26

General liability is the foundation of every commercial program — and the most misunderstood. Here are the 8 things GL won't cover, why each one is excluded, and which separate policy you actually need to fill the gap.

General liability is the most-purchased commercial policy in the country, and it's also the most-misunderstood. Almost every business buys it. Almost every contract requires it. And when a claim hits that GL doesn't cover, the response is almost always the same: \"Wait, I thought that's what my insurance was for.\"

In This Article

• Why GL Surprises More Owners Than Any Other Policy
• What GL Actually Does Cover (Briefly)
• 1. Damage to Your Own Property
• 2. Employee Injuries
• 3. Auto-Related Claims
• 4. Professional Mistakes (Errors and Omissions)

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