Are there any exclusions in General Liability Insurance policies?

General Liability Insurance policies typically contain a range of exclusions, which are specific situations or types of claims that the policy does not cover. These exclusions are important to understand because they delineate the boundaries of coverage and clarify what the insurance will not protect against. While the specific exclusions can vary between policies and insurance providers, here are some common exclusions found in many General Liability Insurance policies:

Intentional Acts:

General Liability Insurance is designed to cover accidental or unintended incidents. It does not provide coverage for intentional harm, including intentional damage or injury caused by the insured.

Criminal Activities:

Claims arising from criminal activities, such as fraud, theft, or illegal acts, are typically excluded from coverage.

Professional Errors:

Professionals in various fields such as doctors, lawyers, and consultants should carry a separate Professional Liability (E&O) Insurance policy. General Liability Insurance does not cover claims related to professional negligence, errors or omissions while providing services as a professional.

Pollution:

Pollution-related liabilities are often excluded from General Liability Insurance policies. Companies such as mold remediation and restoration should carry a Pollution Liability policy.

Employee Injuries:

General Liability Insurance does not cover injuries sustained by employees while on the job. Employers are typically required to have Workers' Compensation Insurance to cover such incidents.

Contractual Liabilities:

Claims resulting from breaches of contract or obligations not covered by the policy are typically excluded. Businesses may need Contractual Liability Insurance for such protection.

Auto Accidents:

Accidents involving vehicles owned or operated by the insured are excluded from General Liability Insurance. Commercial Auto Insurance provides proper coverage of this exposure.

Product Recall:

Costs associated with product recalls are often not covered by General Liability Insurance. Product Recall Insurance is a separate endorsement designed for this purpose.

Employment Practices Liability:

Claims related to employment disputes, such as discrimination or harassment, are typically excluded from General Liability Insurance and require Employment Practices Liability Insurance (EPLI).

It is imperative to read and understand the exclusions in any insurance policy especially when choosing the right policy for your business. Call us for a complimentary review and quote to get the right insurance to suit your needs.