What are the most important exclusions in a Georgia general liability policy?
A Georgia general liability policy is broad, but it is not all-encompassing. The most important exclusions are gaps that surprise business owners who assume “general” means “everything.” Knowing them helps you add the right coverage elsewhere.
The key exclusions to understand are:
- Professional services: Mistakes in your professional advice or work product are not covered. That requires professional liability insurance.
- Employee injuries: Injuries to your own employees fall under workers compensation insurance, not general liability.
- Auto accidents: Crashes involving business vehicles are handled by commercial auto, not general liability.
- Cyber and data breaches: Loss of customer data is excluded and needs cyber coverage.
- Intentional or criminal acts: Deliberate harm is never covered.
- Damage to your own work or property: Fixing your own faulty work or your own business property is excluded.
Example: a Georgia consulting firm gives advice that costs a client money. The client sues. The firm assumes its general liability policy will respond, but the claim is denied because it is a professional services matter. Without a separate professional liability policy, the firm pays the legal defense and settlement out of pocket, easily $60,000 or more.
The takeaway is that general liability is one layer, not the whole picture. Most businesses need it alongside other coverages. An exclusion is simply a listed item the policy will not pay for. Learn more about general liability insurance, or request a free coverage review to find the gaps in your current protection.