The coverage gaps most business owners don't discover until it's too lateLet me ask you something.If a customer slipped and fell in your business tomorrow — you'd be covered, right?Probably yes. That's General Liability doing its job.But what if one of your employees got hurt on the job? What if a client sued you for bad advice? What if your building burned down and took your equipment with it?That's where business owners find out — the hard way — that their GL policy has limits nobody warned them about.That's exactly why you're here as a Protection Circle Insider. I'm going to tell you what most brokers won't.What General Liability Actually CoversGeneral Liability protects your business from third-party claims of:Bodily injury (a customer gets hurt on your property)Property damage (you or your employee damages someone else's property)Personal and advertising injury (libel, slander, copyright issues)That's it. That's the lane GL lives in.Everything outside that lane? You're exposed.6 Things Your GL Policy Will NOT Cover1. Employee InjuriesIf one of your employees gets hurt on the job, GL won't pay a dime. That's Workers Compensation territory. And in most states, if you don't have it — you're breaking the law and personally liable.2. Your Professional MistakesDid you give advice that cost a client money? Make an error in your work product? GL doesn't cover that. You need Errors & Omissions (E&O) / Professional Liability for that exposure.3. Your Own Business PropertyGL protects others from you — not your stuff. If your office, equipment, or inventory is damaged or destroyed, you need Commercial Property coverage.4. Company Vehicle AccidentsIf your employee gets in an accident driving a company vehicle, your GL policy won't respond. That falls under Commercial Auto.5. Intentional ActsGL only covers accidents. If a claim involves intentional conduct, the policy won't cover it — period.6. Cyber Incidents & Data BreachesThis is the big one right now. If a hacker steals your customer data or a ransomware attack shuts you down, your GL policy is completely silent. Cyber Liability is a separate policy entirely — and most small businesses don't have it.The Real StoryI worked with a business owner years ago who had what he thought was solid coverage. Good GL policy. Decent limits. He felt protected.Then one of his employees was injured on a job site.He didn't have Workers Comp.By the time everything was settled, he had paid out of pocket for medical bills, lost wages, and legal fees. It nearly shut him down.He thought he was covered. He wasn't. Nobody had ever explained the difference.That's the gap between having insurance and having protection.Your Action Step This WeekPull out your current GL policy — or call your broker — and ask these three questions:Do I have Workers Compensation in place?Do I have E&O or Professional Liability coverage?Do I have a Cyber Liability policy?If the answer to any of those is no — you have a gap that needs to be filled.And if you want to talk through your specific exposures, reply to this email. I read every response personally.John Crist, CPBLPrestizia Insurance | The Protection Circle28 Years. Real Experience. Real Protection.