{"id":2083,"date":"2025-11-17T13:09:53","date_gmt":"2025-11-17T13:09:53","guid":{"rendered":"https:\/\/ginsurance.info\/?p=2083"},"modified":"2025-11-17T13:13:47","modified_gmt":"2025-11-17T13:13:47","slug":"que-es-una-general-liability-gl","status":"publish","type":"post","link":"https:\/\/ginsurance.info\/en\/que-es-una-general-liability-gl\/","title":{"rendered":"What is a General Liability (GL)?"},"content":{"rendered":"<h2>Executive Summary<\/h2>\n<p>General Liability (GL) protects against third-party claims for bodily injury, damages to<br \/>\ndefamatory property or advertising. It&#039;s the shield that most GC\/Builders request in<br \/>\ncontracts and tenders.<\/p>\n<h2>The essentials<\/h2>\n<ul>\n<li>It covers claims from third parties (not employees).<\/li>\n<li>Typical limits: $1M per occurrence \/ $2M aggregate.<\/li>\n<li>Usual Endorsements: Additional Insured, Primary &amp; Noncontributory, Waiver of Subrogation.<\/li>\n<\/ul>\n<h2>Key GL Coverages<\/h2>\n<ul>\n<li>\u00a0Premises\/Operations: workplace accidents.<\/li>\n<li>\u00a0Products\/Completed Operations: claims for completed work.<\/li>\n<li>\u00a0Personal &amp; Advertising Injury: defamation\/use of image.<\/li>\n<li>\u00a0Damage to Premises Rented to You.<\/li>\n<\/ul>\n<h2>Real example<\/h2>\n<p>A pipe bursts and causes water damage to an installed floor. The GL can respond to<br \/>\nOwner\/GC claim (according to policy, deductibles and exclusions).<\/p>\n<h2>Checklist for contracts<\/h2>\n<ul>\n<li>Check limits required by contract.<\/li>\n<li>Confirm required endorsements (AI\/PN\/WOS).<\/li>\n<li>Request updated COI with exact wording.<\/li>\n<\/ul>\n<h2>Common mistakes<\/h2>\n<ul>\n<li>Trusting the IOC without reading the policy.<\/li>\n<li>Do not update ratings\/operations when the business grows.<\/li>\n<\/ul>\n<h2>FAQs<\/h2>\n<p>Does GL cover my employees?<br \/>\nNo. Employee injuries are covered under Workers&#039; Compensation.<br \/>\nDoes it cover damage to &quot;your work&quot;?<br \/>\nIt is usually limited; check specific exclusions such as &#039;your work&#039;.<\/p>","protected":false},"excerpt":{"rendered":"<p>Resumen ejecutivo El General Liability (GL) protege ante reclamos de terceros por lesiones corporales, da\u00f1os a propiedad o publicidad difamatoria. Es el escudo que la mayor\u00eda de GC\/Builders piden en contratos y licitaciones. Lo esencial Cubre reclamos de terceros (no empleados). L\u00edmites t\u00edpicos: $1M por ocurrencia \/ $2M agregado. Endorsements habituales: Additional Insured, Primary &amp;amp; [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Que es una General Liability (GL) - G-Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ginsurance.info\/en\/que-es-una-general-liability-gl\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Que es una General Liability (GL) - G-Insurance\" \/>\n<meta property=\"og:description\" content=\"Resumen ejecutivo El General Liability (GL) protege ante reclamos de terceros por lesiones corporales, da\u00f1os a propiedad o publicidad difamatoria. Es el escudo que la mayor\u00eda de GC\/Builders piden en contratos y licitaciones. Lo esencial Cubre reclamos de terceros (no empleados). L\u00edmites t\u00edpicos: $1M por ocurrencia \/ $2M agregado. 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Es el escudo que la mayor\u00eda de GC\/Builders piden en contratos y licitaciones. Lo esencial Cubre reclamos de terceros (no empleados). L\u00edmites t\u00edpicos: $1M por ocurrencia \/ $2M agregado. 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