General Liability coverage will pay for damages that the insured becomes legally obligated to pay due to bodily injury, property damage or personal and advertising injury arising from the insured’s premises, operations, completed operations and products. The occurrence basis means that only occurrences that happen during the policy period are covered. There is no reference as to when the claim must be presented.
For Example: An accident is caused by someone tripping over a computer cable in your office, or perhaps a client falling on their way to see you as a result of an uneven pathway in your company parking lot.
For both personal injury and property damage claims, you are covered for related legal fees, costs and expenses.