4 Things Your General Liability Insurance Doesn’t Cover


We feel it is important for our clients to understand what is not covered by their general liability insurance programs so they can focus their risk management efforts in those areas first. General liability insurance protects your commercial business from 3rd party claims of injury or property damage but the following four (4) key risks are typically not covered by:

  • Financial injury whether resulting from actual or alleged wrongdoing by a company’s directors and officers or other cause;
  • Breach of fiduciary duty imposed by ERISA for an employee benefit fiduciary liability claim
  • Most professional liability or Errors & Omissions allegations.
  • Almost all cyber related allegations from a third party.

Contact a KMRD expert to help you determine whether appropriate insurance risks have been transferred in your Property and Casualty Insurance program.

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