How Is Operations Protection Different from General Liability?

General liability and operations protection are both core business coverages, but they protect against different things.

General liability (GL): covers third-party claims — when someone else is harmed and they sue your business.

• A customer slips and falls at your storefront.
• Your work damages a client's property.
• An advertising claim alleging libel or copyright infringement.

Operations protection / business interruption: covers your business's own losses — lost revenue and continuing expenses when a covered event interrupts operations.

• A fire damages your equipment and you lose two weeks of revenue.
• A critical machine breaks down and operations pause for a week.
• A supplier fails and you can't fulfill orders for 30 days (with supply-chain add-on).

The key distinction: general liability pays third parties; operations protection pays your business.

Most businesses need both. RMO BizOps Shield is offered as a separate product so you can right-size the operations coverage independently of your general liability program.