Posted by Insurance City on
General liability is the foundation of business insurance, but plenty of business owners assume it covers more than it does. Here’s what it leaves out — and what fills each gap.
The common gaps
- Your professional advice or work product — covered by errors & omissions (E&O), not GL.
- Data breaches and cyber — you need cyber liability.
- Employee injuries — that’s workers’ compensation, required in California.
- Your own building and equipment — covered by commercial property.
- Business vehicles — covered by commercial auto.
- Employment claims (wrongful termination, harassment) — covered by EPLI.
Why a broker matters here
The danger isn’t the GL policy — it’s assuming it’s all you need. We map your actual operation to the coverages that close these gaps, so you’re not surprised at claim time.
Find your gaps
Insurance City is a local independent brokerage in Stockton. Call (209) 670-1556 or read the Central Valley Business Insurance Guide.