A few examples of General Liability may include:

• A woman enters your church during a rainstorm. She slips on water in the foyer and falls down a flight of stairs. The handrail had been removed from the stairway several months earlier during repairs and had not yet been replaced. She sustains a head injury and several broken bones. She makes a claim against the church for pain and suffering.

• An attendee arrives at your church for a meeting after dark. Because of poor exterior lighting and lack of a barrier, he steps into a basement window well, resulting in a severe leg injury and $30,000 in medical bills. The man files a claim against the church for pain and suffering. 

• Your school holds a fall festival at a local farm. One volunteer is stationed at a campfire and assists children roasting marshmallows. One child gets too close and her shirt catches fire. She suffers severe burns. A claim is made against the school for improper supervision during a school operation.