What does a general liability policy typically exclude?

A general liability policy primarily provides coverage for bodily injury and property damage claims arising from the business's operations. However, it explicitly excludes professional liability claims. Professional liability coverage caters specifically to the risks associated with providing professional services, such as errors and omissions that might occur while delivering advice or services in a professional capacity. Therefore, if a business is engaged in professions like law, medicine, or accounting, a general liability policy would not cover any negligence or mistakes made in the execution of those professional services, necessitating a separate professional liability policy to address those specific risks.

The other options relate to claims that may indeed fall under the coverage of a general liability policy. For instance, property damage claims, personal injury claims, and advertising injury claims are generally covered, making them critical components of the protection that a general liability policy aims to provide to businesses.