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Insurance General Liability
In insurance parlance, "general liability" refers to any claim involving bodily injury that occurs even if not specifically caused by the insured (as opposed to "personal liability") or when the injured party is covered under a third-party policy. Essentially, all risks are considered in this umbrella term, encompassing everything from car accidents to fires.
Example: John, an insurance agent, had received a claim from a client who was involved in a tragic accident on his property. He didn't realize that there might be a broader liability issue at play because the policy only covered physical damage caused by the insured's negligence. However, as a precaution, John contacted his colleagues and discussed all options available to mitigate or avoid future claims. John reassured his team that even if the insurance company denies coverage on this claim, they can still help John manage its aftermath, which could involve hiring an experienced personal injury lawyer, securing a defense against any potential legal action, and potentially negotiating with the property owner to settle the claim for less than their initial premium payment.
