What is CGL Insurance?
CGL Insurance provides financial protection to businesses against claims of:
- Bodily Injury – e.g., a customer slips and falls on your premises.
- Property Damage – e.g., damage caused to a third party’s property by your business activities.
- Personal and Advertising Injury – e.g., libel, slander, copyright infringement in ads.
What Does It Cover?
- Third-party Bodily Injury
- Third-party Property Damage
- Legal Defense Costs
- Medical Payments
- Personal & Advertising Injury
- Products-Completed Operations Liability
What It Doesn’t Cover:
- Employee injuries (covered by Workers' Compensation)
- Professional mistakes (covered by Professional Liability)
- Intentional damage
- Auto accidents (covered by Commercial Auto Insurance)
- Contractual liabilities beyond standard terms
Who Needs It?
CGL is essential for a wide range of businesses.
Retailers
Protection from customer slips and falls.
Manufacturers
Covers product-related liability claims.
Contractors
Shields against damage during job completion.
Why is it Important?
- Covers legal expenses, settlements, and medical costs
- Helps meet contract or lease requirements
- Protects business assets and reputation
Get a CGL Insurance Quote
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