General Liability is a form of insurance designed to indemnity the business for third party claims due to negligence. This form of coverage is considered the most common insurance purchased by most businesses and social service organizations. Coverages can include premises and operations liability for onsite and jobsite accidents and products liability claims for products that injure third parties. Consider endorsing Employee Benefits Liability coverage to the General Liability policy in order to protect against claims caused by the administration of your employee benefit program. When adding additional insureds on to your general liability policy, remember that you are sharing your liability limits with this additional insured. Always purchase high enough limits of liability to protect your operations. Report all operations, locations, services, products and activities to your broker to insure that that you are adequately covered.