Is a product-liability question the same as a general-liability question?
Ask separately how product-related claims are addressed and whether product-liability terms or another form apply; ask which general-liability terms address premises or ongoing work. Check the actual wording for the activities you described.[1][2]
Read the Unspecified Insurance Buying Guide
Sources and Further Reading
- Small Business Insurance — National Association of Insurance Commissioners. Small-business coverage categories, scope, and exclusions
Review the NAIC’s general descriptions of business liability, property, professional liability, auto, and cyber categories.
- Launch your business — U.S. Small Business Administration. Get business insurance section; general categories and buying steps
Open the Get business insurance section for SBA’s general insurance categories and buying guidance.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risks, cyber insurance, and questions for policy review
Review FTC questions about vendors, data, cyber policy terms, and incident response.
- Employer information — California Department of Industrial Relations, Division of Workers’ Compensation. Employer information; California workers’ compensation requirements and out-of-state employers with employees working in California
Review California employer requirements, including DWC’s note about out-of-state employers with employees working in California.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and jurisdiction-specific requirements determine what applies to a particular business.
Updated 2026-09-28. Editorial Policy
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