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Commercial General Liability
Commercial General Liability

Commercial General Liability


Commercial Liability Insurance protects your business in the event of property damage, personal injury or bodily injury caused by the business’ operations, goods, or injury that takes place on the business’ property. Commercial general liability, or CGL, is regarded as comprehensive business insurance, although it doesn't protect against all risks a business may face.


CGL policies contain different degrees of coverage. A policy might include premises coverage, that safeguards the business against claims that take place at the business’ physical location during normal business operations. It can also consist of coverage for bodily injury and property damage that's the result of finished goods. Excess liability coverage can even be purchased to cover claims that may go beyond the limit of the CGL policy. A few commercial general liability policies could have omissions to what actions are covered. For instance, a policy might not cover the expense associated with a product recall.


Along with CGL policies, companies could also purchase policies that offer protection for various other business risks. As an example, the company might purchase employment practices liability coverage to safeguard itself from claims related to sexual harassment, discrimination, and wrongful termination. The business could also purchase insurance to cover errors and omissions mentioned in financial reporting statements, in addition to insurance that covers damages caused by the actions of its directors and officers.


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