General liability insurance is essentially the same as personal liability insurance. It normally forms part of your short-term insurance portfolio. Short-term insurance policies for businesses also usually carry general liability cover. General liability insurance covers the insured against third party claims for personal injury or property damage or loss due to your negligence. It is compulsory to have general liability cover included in your vehicle insurance policy. Due to the fact that general liability insurance is incredibly affordable, most policies include it by default. In addition, South Africans, unlike our American counterparts, are not yet in the habit of filing lawsuits for the tiniest of injuries incurred on others' property or due to their negligence. This is changing, though, so having sufficient general liability cover is becoming more necessary. This is especially true if you are a small business owner and employ individuals who work on your property.