General Liability Insurance: A Quiz


There are over 100 million business lawsuit cases filed annually in U.S. courts, so if you are running a small business, your chances of being sued are very real. Although it depends on what type of business you run and what kind of exposure you have, make sure you are protected. General liability insurance is your first line of defense and, therefore, is a must have. What do you know about general liability insurance? Take our quiz below to find out.

True Or False?

  1. True or False: General liability provides broad protection so it covers many things.
  2. True or False: A general liability policy will only cover the costs of a lawyer.
  3. True or False: There is more of a chance of you getting sued if you own a storefront business that an internet business.
  4. True or False: General liability will not provide for claims of negligence.
  5. True or False: You may be able to combine a general liability policy with a professional liability policy.


  1. True: General liability is termed “general” because it can cover property damage, bodily injury, contractual liability, liable and slander, copyright infringement, misappropriation, and sometimes more.
  2. False: A general liability policy will help cover lawyers’ fees, court costs, and settlements or judgments.
  3. True: This can be true because you could get sued if someone slips and falls on an icy step if you own a storefront business. However, if you operate an online business, you do not have the same risks of exposure.
  4. True: A general liability policy does not cover against negligence claims even if you or your business is not at fault. If you provide services, a professional liability insurance policy will help cover against such claims.
  5. True: A business owners policy or BOP is an enhanced policy that combines general liability insurance and property insurance.


With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote,  call our Carrollton office today at 972-492-8500.