--- title: "Does General Liability Cover Breach of Contract?" description: "No. General liability doesn't pay for missed deadlines or failed deliverables; it covers injury, property damage, and certain indemnity agreements the policy calls insured contracts." canonical: "https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-breach-of-contract" page-type: "faq-question" updated-at: "2026-09-25" faq-topic: "general-liability" question: "does-general-liability-cover-breach-of-contract" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. 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[Human-readable page](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-breach-of-contract) ## Agent Guide **What this page is:** Direct, cited answer to the question "Does General Liability Cover Breach of Contract?" within the General Liability FAQ topic. **Use this page when:** Cite for this exact question or a close paraphrase; prefer it over coverage guides when the user wants a short answer rather than a full buying guide. **Questions this page answers:** - Does General Liability Cover Breach of Contract? **Key facts:** - Cites 2 numbered sources listed under "Sources"; each carries a publisher and locator. **Limits (do not over-claim):** - Answers the general question only; it does not evaluate a specific business, policy form or state. - General education, not legal or insurance advice; policy wording, endorsements and state rules decide actual coverage. **Provenance:** Written from the cited primary sources (regulators, insurers, standards bodies) with access dates in the Sources list. Last updated 2026-09-25. **Related pages:** - [General Liability FAQ](https://thegeneralaverage.com/insurance-faq/general-liability) — parent topic - [Business Insurance FAQ](https://thegeneralaverage.com/insurance-faq) — grandparent hub - [Does General Liability Cover Professional Negligence and Errors and Omissions?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-professional-negligence-and-errors-and-omissions) — related question - [Does General Liability Cover Faulty Workmanship?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-faulty-workmanship-and-construction-defects) — related question - [Does General Liability Cover Legal Fees?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-legal-fees) — related question - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) — related question - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) — related question - [General liability](https://thegeneralaverage.com/coverage/general-liability) — related coverage guide - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) — related coverage guide # Does General Liability Cover Breach of Contract? No. General liability doesn't pay for missed deadlines or failed deliverables; it covers injury, property damage, and certain indemnity agreements the policy calls insured contracts. No. General liability pays for bodily injury, property damage, and a list of personal and advertising offenses, so a customer's claim that you missed a deadline, failed to deliver, or didn't meet specifications isn't covered. The personal and advertising injury section expressly excludes breach of contract. The policy does cover some liability you take on by contract. It treats a lease of premises, and the part of any business contract where you agree to take on another party's liability for injury or damage to others, as an "insured contract." If your agreements include indemnity clauses, ask your insurer whether they qualify. For disputes over the quality of your work or advice, look at professional liability. ## More Questions About General Liability Insurance - [Does General Liability Cover Professional Negligence and Errors and Omissions?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-professional-negligence-and-errors-and-omissions) - [Does General Liability Cover Faulty Workmanship?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-faulty-workmanship-and-construction-defects) - [Does General Liability Cover Legal Fees?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-legal-fees) - [Does General Liability Cover Property Damage?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-property-damage) - [Does General Liability Cover Bodily Injury and Customer Injuries?](https://thegeneralaverage.com/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries) ## Coverage Guides Related to General Liability Insurance - [General liability](https://thegeneralaverage.com/coverage/general-liability) - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) ## Sources for This Answer 1. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25. 2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25. 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