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What Is the Difference Between General Liability and Product Liability Insurance?

If you are in the process of shopping for insurance, you may have come across the terms “general liability” and “product liability.” But what exactly do these terms mean? And more importantly, do you need both types of coverage?

Consult with our team at Armadillo Insurance Agency in Austin, TX when you are ready to purchase this important coverage. 

Here are the differences between general liability and product liability insurance:

General Liability Insurance

General liability insurance is a type of policy that provides protection against claims arising from your business operations. This can include injuries that occur on your premises, damage to property, advertising injuries, and more.

If you are sued by someone who alleges that your business was responsible for their injury or damages, general liability insurance can help cover the costs of legal defense and any resulting settlement or judgment.

Product Liability Insurance

Product liability insurance is a type of coverage that protects your business against claims alleging that your products caused injury or damage. If you manufacture, distribute, or sell products, this type of insurance can help protect you in the event that one of your products injures someone or damages their property.

Product liability claims can be very costly, so it’s important to make sure that you have this type of coverage in place if you sell products.

Get Insurance Coverage for Your Business Today

Both general liability and product liability insurance are important types of coverage for businesses. Which one you need will depend on the nature of your business and the products you sell. If you have any questions about which type of coverage is right for you, our team at Armadillo Insurance Agency in Austin, TX can help. Give us a call and we’ll be happy to walk you through your options and help you get the coverage you need.