Commercial General Liability Insurance Business Insure the liabilities: cgl general commercial liability insurance co from insurers.
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 CGL General Commercial Liability Insurance Co |
Small business faces liabilities every day. The only way to protect assets is to carry adequate business liability insurance coverage. A commercial general liability insurance policy (CGL) is the first line of defense against many common claims. General liability insurance for business covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with property liability insurance policy to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Commercial general liability coverage enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.
General Commercial Liability Insurance for Business Co
If you have only one form of small business liability insurance policy, it is most likely CGL - the general commercial liability for business companies. CGL policies cover claims in four basic categories of commerce liabilities:
- Bodily Injury
- Property Damage
- Personal Injury (including slander or libel)
- Advertising Injury
In addition to covering the claims listed above, general commercial liability insurance policies also cover the cost to defend or settle claims - even if the claims are fraudulent. Business liability insurance protects your small co against financial loss resulting from claims of injury or damage caused to others by you or your employees. Some coverages may not be available on all policies or in all states.
What claims does the commercial general liability insurance cover?
Automatic Additional Insured. Coverage is automatically provided when required in a written contract, agreement or permit.
Personal and Advertising Injury Claims. Covers you for certain offenses you or your employees commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
Employment Practices Liability Claim. Covers claims, including legal defense costs, for certain employment-related lawsuits brought against you by your employees or job applicants ($5,000 limit where available).
Defense Costs Claiming. Pays legal expenses for certain liability claims brought against your business regardless of who’s at fault.
Medical Expenses and Loses. Pays the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.
Premises and Operations Liability. Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business’ operations.
Tenant’s Liability Claims. Protects your business against claims of damage due to fire or other covered losses caused by you to premises that you rent.
This summary outlines in general terms the coverages afforded under some policies. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.
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 Commercial General Liability Insurance Business |
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