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Exposed!

Look what your insurance company has "uncovered."

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This story appears in the October 2002 issue of Entrepreneur. Subscribe »

When your general liability policy comes up for renewal next year, take a close look at what it doesn't cover anymore. Some significant changes have been made to the standard general liability policy most insurance companies write, says David W. Henry, an attorney with Allen, Dyer, Doppelt, Milbrath & Gilchrist PA in Orlando, Florida. Essentially, those changes exclude some previously covered risks in the areas of libel, slander, copyright and trademark infringement, personal and advertising injury and Internet-related activities.

If your company is at risk, consider alternatives or supplements to the traditional general liability policy. "Too many small businesses never take the time to look at the exclusions," Henry says.

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