A General Liability policy provides three primary coverages. Bodily Injury includes coverage for required medical attention and lost work time; Property Damage includes coverage to repair or replace damaged property, as well as loss of use; and Personal and Advertising injury includes coverage when you are sued for libel or slander. This coverage also includes medical payments for small claims that cause injury without having to establish that the insured was actually at fault such as trips and falls. http://businessinsurancesolutions.net/insurance/business-insurance/