The commercial general liability policy will defend you and pay judgments against you when you are found legally liable for bodily injury or property damage that is caused by your business operations. This is a very broad policy and therefore must contain many exclusions. Most of the exclusions are necessary as other policy types are needed to satisfy a more specific insurance need such as: automobile, watercraft, workers compensation, aircraft and mobile equipment to name a few. One of the most significant exclusions is damage to your product. While it covers the property of others, it does not cover loss or damage to anything you have built. The liability portion of personal types of policies specifically excludes coverage for any business operations, hence the need for specific business liability insurance. Sound confusing? It is. That’s why you need to speak with an experienced professional at Anderson Insurance Agency.