Commercial General Liability (CGL) Insurance is designed to protect your business from financial losses related to third-party claims for bodily injury, property damage, and personal and advertising injury. Whether you’re a small business, a growing startup, or a large enterprise, CGL insurance provides the necessary coverage to safeguard your business against potential lawsuits and legal liabilities.

Key Features of CGL Insurance:

  • Bodily Injury Coverage: Protects your business from claims related to injuries sustained by third parties (e.g., customers or visitors) on your premises or due to your operations.
  • Property Damage Coverage: Covers damage to third-party property caused by your business activities, products, or services.
  • Personal and Advertising Injury: Provides coverage for claims of defamation, libel, slander, copyright infringement, and other advertising-related offenses.
  • Legal Defense Costs: Covers legal expenses, including defense fees and court costs, even if the claim is groundless.

Why Your Business Needs CGL Insurance:

  • Third-Party Claims: Businesses face risks from third-party claims that can arise from accidents, product defects, or advertising activities.
  • Contractual Requirements: Many contracts and agreements, especially in construction, retail, and service industries, require businesses to have CGL coverage to operate.
  • Business Continuity: A lawsuit can have a significant financial impact on a business. CGL insurance helps mitigate the risk and ensures business continuity in case of costly legal disputes.
  • Reputation Protection: CGL insurance also covers personal and advertising injury claims, protecting your business from defamation, libel, or slander-related lawsuits.

Who Should Have CGL Insurance?

  • Small Businesses: Protects against everyday risks, such as customer slips and falls, that can result in costly claims.
  • Contractors and Builders: Provides essential coverage for accidents, property damage, and bodily injury claims on job sites.
  • Retailers: Safeguards against customer injury or property damage occurring on your premises.
  • Service Providers: For businesses offering professional services, CGL insurance protects against liability claims stemming from business operations.

What’s Covered in CGL Insurance?

  • Bodily Injury and Property Damage: Covers legal liability for physical injuries or damage to someone else’s property caused by your business operations or products.
  • Medical Payments: Pays for medical expenses of third parties injured on your business premises, regardless of fault.
  • Personal and Advertising Injury: Covers lawsuits related to defamation, slander, false advertising, and copyright infringement.
  • Product Liability: If your product causes injury or property damage after being sold, CGL insurance provides coverage.
  • Legal Defense: Covers attorney fees, court costs, and settlements or judgments related to covered claims.

What’s Not Covered in CGL Insurance?

  • Employee Injuries: CGL insurance does not cover injuries to employees; this is covered under Workers’ Compensation Insurance.
  • Professional Errors: Claims arising from professional services, errors, or omissions are not covered (covered under Professional Liability or Errors & Omissions Insurance).
  • Intentional Acts: Damages or injuries caused intentionally by your business or its employees are not covered.
  • Contractual Liabilities: Liability assumed under a contract, unless explicitly stated in the policy, is typically not covered.

Benefits of CGL Insurance:

  • Comprehensive Protection: Provides broad coverage for a wide range of third-party claims, ensuring your business is financially protected from lawsuits.
  • Legal Cost Coverage: Legal defense fees, court costs, and settlement expenses can quickly add up. CGL insurance ensures that your business won’t bear the brunt of these costs.
  • Risk Mitigation: Minimizes the financial impact of unforeseen accidents or incidents that could disrupt business operations.
  • Client and Vendor Confidence: Having CGL insurance signals professionalism and security to clients, vendors, and partners.

How Does CGL Insurance Work?

When a claim is made against your business, the CGL insurance policy will:

  1. Step 1: Investigate the claim to determine its validity and whether it falls within the scope of the policy.
  2. Step 2: Cover defense costs, including attorney fees and court expenses.
  3. Step 3: Pay for settlements or judgments, up to the policy limits, if your business is found liable for damages.

Customizable Coverage Options

Our CGL Insurance policies can be tailored to meet the specific needs of your business, regardless of industry. From small businesses to large enterprises, we offer solutions that provide peace of mind and protect your bottom line.