Commercial General Liability

Your business may be susceptible to risks of liability every day. The only way to protect your business assets is to carry adequate commercial general liability insurance. A Commercial General Liability (CGL) insurance policy is a crucial defense against many common claims.

General Liability insurance covers claims of bodily injury, other physical injuries or property damage. It is frequently offered in a package with Property Insurance to protect your business against incidents that may occur at your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations even while it faces claims-whether fraudulent or justified-of certain types of negligence and wrongdoing.

CGL policies cover claims in four basic categories of business liability:

• Bodily Injury
• Property Damage
• Personal Injury (including slander or libel)
• Advertising Injury

Even as a BOP (Business Owner's Package), where commerical general liability insurance is combined with Property Insurance at very reasonable rates, General Liability insurance does not protect your business against every liability. If you or your employees make professional judgments and recommendations in the course of your business, ask our agents about a Professional Liability policy in addition to a CGL policy.