General Liability

General Liability is the foundational level of coverage for many insurance policies. Commercial general liability (CGL) provides protection from bodily injury and property damage caused by your business that you are legally liable for. CGL is required for common business activities like signing a lease, and is sometimes required by your customers. Accidents happen, and that’s why it is important to carry CGL coverage.

Our General Liability Insurance includes coverage for a range of risks that business owners may face. This includes:

  • Bodily Injury: This coverage protects you financially from injuries caused to a 3rd party that you are legally liable for.
  • Property Damage: This coverage protects you financially from accidental damage caused to other’s property.

Key Coverage

Common Claims

There are several liability claims that a business might face. Here are a few examples:

  • Bodily Injury: Businesses are exposed to liability when visiting customers, or when customers visit the workplace. A third party could trip and and injure themselves, and depending on the circumstances, the business may be liable.
  • Property Damage: Businesses are also exposed to liability for damage to a 3rd party’s property. If a heavy piece of equipment is dropped damaging a customer’s floor for example.