General Liability Protection for your Car Rental ➲ Are you covered? For what amount? Is it enough?

U.S. Federal Law
All Australian States + Territories
New Zealand
Australian Capital Territory
New South Wales
Northern Territory
South Australia
Western Australia

What level of General Liability Protection do you have (if any)?

Regardless of whether or not you decide to take up Rental Car Insurance, it is important to consider General Liability Protection, specifically, what amount you are covered for based on all relevant insurance policies.

General Liability Protection insurance typically covers damages to other people's property (e.g. their cars) as well as medical costs for other people’s injuries in an accident you're legally responsible for.

In the U.S., every state requires a minimum amount of liability insurance on car insurance policies, so you may already have liability coverage through your personal auto insurance.

Making a fully-informed decision regarding your General Liability Protection insurance coverage:

⚖️ You need to decide whether or not separate General Liability Protection insurance coverage is required to obtain or increase your general liability coverage (if any, especially if it is only the statutory minimum) or whether using a Supplementary Liability Insurance policy is needed to match your risk profile.

Tip: If you run a business or charity or are a high net-worth individual, an "Umbrella" insurance policy providing General Liability Protection for at least $1 Million is always recommended.

Note: As General Liability Protection can be found in a wide range of insurance policies, you should always conduct your independent review of ALL of your existing insurance policies, especially the insurance coverage already provided by your "umbrella" (if any) or general business or charity insurance, as well as your household and/or homeowner/tenant insurance policies.

Given the extensive number of potential sources of General Liability Protection, we have decided to direct you to discuss your General Liability Protection insurance coverage needs with your insurance broker.

At a later date, if there is sufficient demand, we may decide to build a dedicated General Liability Protection ➲ Legal Wizard.


This FAQ was written by James D. Ford GAICD | Principal Solicitor, Blue Ocean Law Group℠.

Important Notice:

This FAQ is intended for general interest + information only.

It is not legal advice, nor should it be relied upon or used as such.

We recommend you always consult a lawyer for legal advice specifically tailored to your needs & circumstances.