Business Insurance General Liability Insurance

Typically, General Haftpflichtversicherung focuses on bodily injury and property damage. Claims involving intellectual property—such as copyright infringement or defamation (slander/libel)—are usually addressed under 'Personal and Advertising Injury' coverage, but specific confirmation with your carrier is mandatory, as some riders are needed.

While sometimes combined, they are distinct. GLI covers incidents occurring on your premises or general operations (e.g., a trip and fall). Product Liability specifically covers claims arising from the use or defect of a product you manufacture, distribute, or sell, even if the incident happens off-site.

Yes, absolutely. Insurance companies reward proactive risk management. Implementing rigorous safety protocols, mandatory staff training, and maintaining up-to-date safety documentation can lead to significant premium discounts and better policy terms.

Yes. While standard GLI covers your core business operations, working from home introduces unique risks like visitor liability, personal injury on your property, and inadequate business-grade insurance. You may need an endorsement or a specialized 'Home Office' rider.

You should review it at minimum annually, especially after any major change in your business model, physical location, client base, or technology adoption (e.g., if you start selling physical products online). The regulatory landscape shifts constantly.