General liability refers to the legal liability of property owners and occupiers to compensate third parties who may be physically injured or whose property may be damaged as a result of the operations on the site or the "unsafe" condition of their premises.
Impact of Fire/Smoke Spread | Impact of Explosion | Physical Impact | Impact of Chemicals and Other Releases
People Risks and Staffing
Visitor Safety / Access Control | 08 - Labor Hire / Contract Personnel | Employee Safety Training & Experience
Specific Activities/ Work Away
General Liability can also include other incidents where the owner or operator of a business is deemed to have been negligent in their responsibility for the safety of others, such as damage caused by the insured's employees on third party premises. It includes potential damages from libel & slander, e-mail, advertising, copyright and internet sites.
This risk factor assesses the adequacy and effectiveness of the control arrangements and management systems for the potential incidental pollution from the sites, facilities and activities or from customer’s products / services.
The people who manage premises or a business must have good control over their operations. Creating a safety policy, ensuring compliance with regulations, review of contracts, legal agreements and advertising material, and many other activities are integral parts of management's commitment to controlling liability exposures.
Management of Contracts and Contractors
One of the key aspects of managing general liability exposures is to have robust safety systems and control procedures in place. Site security, safety training, protective equipment, visitor safety programs, emergency response plans, hazard analysis, and risk assessment all form part of an effective safety management system.