General Liability Insurance - Minnesota
Sooner or later there is a good chance that your business will get sued...
General Liability insurance protects your business when the business is sued for something the business did, failed to do, or even perceived to do, that contributed to injury or property damage to someone else.
Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit, whether valid or not whether you end up in court or settle out of one.
A BOP, business owners policy, provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy which can be part of a bigger collection of coverages.
Commercial General liability insurance, whether purchased on its own, or as a business owners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person (other than your employee) injured at the business or as a direct result of the operations of the business are also covered.
General Liability usually only covers you for things that happen as a result of how you do business... from your actions and not your thoughts.
There are other types of liability insurance policies for suits by customers against a business for nonperformance of a contract and by employees charging wrongful termination or racial or gender discrimination or harassment that can be purchased in a BOP or on their own.