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Commercial - General Liability

What is a Commercial General Liability insurance?

A General Liability (CGL) insurance is a type of business insurance that provides protection against a variety of risks, including bodily injury to third parties, property damage, and other claims that may arise from a business's operations.
It is designed to protect against lawsuits or legal claims that could harm a business's finances.

Commercial General Liability cover:

1.  Bodily Injury:

If a customer or visitor is injured while on your premises, or due to your business activities, the CGL policy can cover medical bills, legal costs, and any settlements or judgments related to the injury.

2.  Property Damage:

If your business activities or employees cause damage to someone else's property (e.g., if you accidentally damage a client’s property while providing services), the policy covers the repair or replacement costs.

3.  Personal and Advertising Injury:

This includes things like libel, slander, false advertising, or any other type of reputational harm caused by your business’s actions or marketing.

4.  Medical Payments:

If someone is injured at your business location or as a result of your business operations, CGL may cover their medical expenses, regardless of fault. This is typically a smaller amount but is helpful for minor incidents.

5.  Legal Defense Costs:

If your business faces a lawsuit, the CGL policy will often cover the legal costs to defend against claims, whether they are valid or not.


Commercial General Liability does not cover:

  • Professional negligence: If you are offering specialized services (like legal or medical services), CGL will not cover mistakes or omissions related to the professional advice or services you provide. This would typically fall under professional liability insurance (or errors and omissions insurance).

  • Employee injuries: Injuries to employees are usually covered under workers’ compensation insurance, not a CGL.

  • Damage to your own property: CGL does not cover damage to your own business property; you’d need property insurance for that.

  • Intentional damage: If you intentionally damage something or cause harm, you will not be covered by CGL.