General Liability

Commercial General Liability Insurance
A Commercial General Liability (CGL) policy protects your business from financial loss. It kicks if your services, operations, or employees cause property damage, or personal or advertising injury. It covers non-professional negligent acts. Understanding this coverage is an important first step in managing CGL risks.
Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:
- While visiting your business, a customer trips on loose flooring and is injured.
- An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
- A class action lawsuit is filed against your business, alleging advertisements constituted misleading information.


What commercial general liability insurance covers

Coverage A: Bodily Injury and Property Damage Liability
Bodily injury and property damage coverage provides protection against losses from the legal liability of insureds. A CGL covers bodily injury – including mental and emotional distress – or property damage to others arising out of non-professional negligent acts.
Bodily injury and property damage coverage excludes workers compensation and employment practices liability insurance. However, business often purchase separate policies for these items. In addition, pollution liability is excluded and can be purchased as an endorsement. However, this coverage is very limited, and high-risk businesses should consider purchasing a separate pollution liability policy. Most often exclude liquor liability, professional liability and other risks. An insurance professional can help you to determine endorsements that are right for your type of business.


Coverage B: Personal and Advertising Injury
- Libel
- Slander
- False arrest
- Infringing on another’s copyright
- Malicious prosecution
- Use of another’s advertising idea
- Wrongful eviction, entry or invasion of privacy
Coverage C: Medical Payments


Purchasing commercial general liability insurance

Additional liability coverages to consider

Directors and Officers Liability

Liquor Liability

Pollution Liability

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