FREE TOOL · INSURANCE & COMPLIANCE

Covered or Not?

Six lawsuits a consumer brand with a marketing engine gets hit with. Click each one and see whether a standard general liability policy defends it... and notice which one it never does.

This is the standard form. Your policy can be narrower, and for food and supplement brands it often is. The verdicts here are the starting point for the questions you send a licensed broker, not a reading of your policy.

Six lawsuits

Pick the one you are most afraid of. Then click through the rest.

Does your policy defend it

Covered

advertising injury

Never

Weak

Depends

Covered

You payThey defend

The pattern

The likeliest claim is the one you cannot insure

It does not do what your ad says. Excluded from payout everywhere. You prevent it with a claims check, not a policy.

Working through this with us?

What the tool is doing

The two doors. Door A is bodily injury and property damage: someone got hurt. Door B is personal and advertising injury: someone says your words, pictures or ads hurt them. For a brand that markets, Door B is the one people knock on.

The named offenses. Libel, slander, disparaging a competitor, and using someone's copyright, trade dress or slogan in your advertisement. Inside those, the insurer has a duty to defend, and the duty to defend is broader than the duty to pay.

What is carved out. Trademark by default. Packaging, because the definition of advertisement excludes it. Patents, always. And failure to conform, the claim that your product does not do what the ad says, which is excluded from payout in essentially every policy and is the one a functional product is most likely to face.

This is education, not legal or insurance advice. A licensed agent reads your policy.

This is one lesson inside the Launch Accelerator.The lesson takes the six verdicts into the ladder of what to buy and what to skip, the fine print that bites, why the policy binds before the first unit ships, and a claims check that prevents the one lawsuit you cannot insure.

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