Commercial general liability insurance (CGL)
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Commercial General Liability Insurance (CGL)
Whether you’re an established general contractor, an entrepreneur operating from an office space, or a solo landscaper, majority of businesses need a Commercial General Liability Insurance (CGL) policy to cover daily operations. CGL offers protection from liability claims for bodily injury and property damages arising out of business premises, operations, products, and completed operations.
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Coverage for Operations
The primary form of coverage your CGL package offers is insurance protection for your daily business operations.
Court Settlements & Damages
If you are found negligent in your business operations, you can rest assured that you will be covered in the case of penalties imposed by the courts that are often costly.
Business Lawful Defense Costs
A CGL policy can also cover legal costs such as lawyers in the event of legal action or a claim against you or your business.
Commercial General Liability Insurance
Jacques, our Commercial Practice Leader, discusses why businesses need a Commercial General Liability policy.
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What is Commercial General Liability Insurance?
Commercial General Liability (CGL) Insurance is considered comprehensive and essential business insurance coverage. It covers liability claims for bodily injury (BI), personal injury, and property damage (PD) caused by your business operations, products, and employees. The CGL policy will also cover the legal costs involved in a lawsuit. However, unlike Professional Liability or E&O, it only covers non-professional negligent acts.
Why do I need Commercial General Liability Insurance?
Having the right insurance coverage for your business is essential to the productivity and livelihood of the company. Damages from liability claims can be expensive and devastating without proper protection.
If a legal claim is made against you, Commercial General Liability Insurance covers legal expenses including litigation, out-of-court settlements, as well as costs relating to personal and advertising injury and third party property damage. Should you require extra coverage that are not within the scope of CGL, we can also include additional liability coverage.
What does Commercial General Liability Insurance cover?
Standard Commercial General Liability Insurance provides the following coverage:
- Bodily Injury and Property Damage: Protects you from financial losses arising from third-party injury or damage claims resulting from your business operations.
- Personal and Advertising Injury: This coverage includes protection against liability due to false advertising, libel, slander, copyright infringement, or malicious prosecution.
- Medical Payments: Provides coverage for non-employee in case of an accident on your premises or due to your business. Payments include medical, surgical, and other hospital expenses on a no-fault basis.
- Product Liability: You are covered if your products cause property or bodily injury.
Who needs Commercial General Liability Insurance?
Commercial General Liability Insurance FAQs
How much does Commercial General Liability Insurance cost?
The cost of your Commercial General Liability Insurance will depend on your business-specific factors, including:
- Annual and Projected Income
- Applicant Details
- Claims history
- Deductibles
- Number of Employees
- Specified Coverage
- Policy Terms and Limits
- Services offered
- and more
Complete our online insurance application to get your free quote emailed within minutes! Get same-day coverage for your Commercial General Liability Insurance for an affordable price.
What other coverages do I need besides Commercial General Liability Insurance?
As a business owner, your operations, professional services, and the products you offer your clients or customers require more than just Commercial General Liability Insurance.
Depending on your line of work, the different types of insurance coverage you might want to consider include:
- Business Interruption
- Commercial Property
- Commercial Auto
- Cyber Liability Insurance
- Directors and Officers (D&O) Insurance
- Office Contents
- Product Liability Insurance
- Pollution Liability Insurance
- Professional Liability Insurance (also called Errors and Omission – E&O)
Protect your business with additional liability insurance, so you can operate without worrying about bodily injury or property damage claims.
What is general aggregate in insurance?
General aggregate limit is the maximum allowable limit an insurance policy will pay during the entire policy term. General aggregate limit is usually higher than per occurrence limit, but can be equal in situations where insurers want to restrict the number of covered incidents. Common aggregate limits are $1,000,000, $2,000,000, and $5,000,000.
What is contractual liability?
Contractual liability protects the party signing an agreement/contract from liabilities by transferring the risk from them to another party (insurer). Contractual liability is automatically included as a part of CGL, covering third-party damages and injuries and related claims.
