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What is Commercial General Liability Insurance?

Commercial General Liability (CGL) is an insurance policy that offers financial coverage for third-party bodily injury and property damage claims.

What is Commercial General Liability Insurance

What is Commercial General Liability Insurance?

Commercial General Liability (CGL) is an insurance policy that offers financial coverage for third-party bodily injury and property damage claims caused by your business due to negligence or unforeseeable events.


If your business is sued, CGL insurance often covers compensatory damages and legal defense costs, regardless of the outcome of the action.


What does Commercial General Liability Insurance Cover?


Commercial General Liability Insurance covers coverage typically for legal fees and damages incurred in the following areas of coverage:


Injuries or damage to a third party person or property caused by your business operations is bodily injury liability.


Product Liability:


Damage to property or bodily harm caused by a product you sell or furnish.


Tenant's Legal Liability: 


The costs of repairing or replacing the property of others that you rent or inhabit.


Personal and Advertising Injury Liability: Defamation, libel, slander, or false advertising claims.

Who is Eligible for Commercial General Liability Insurance?


As a business owner, you contact any third parties, such as clients, vendors, and other businesses, who may be engaged in an accident or claim that your business caused them loss or damage.



Commercial General Liability Insurance is required if you:

  • You have an office or clients come to you at home.
  • You pay a visit to your client's office or home.
  • You have employees who conduct business outside of the office.
  • What is the cost of Commercial General Liability Insurance?


A basic Commercial General Liability Insurance policy with a $2M limit will cost $450 per year for a small to medium-sized business.


When you complete our online application, we will ask you some questions about your business to better understand your requirements. When evaluating the best policy options for you, the following aspects are considered:

  • Years of Expertise
  • Gross Revenue (Annual and Projected)
  • Employees' Number
  • Insurance Claims in the Past

We've collaborated with over fifty insurance carriers to give you various solutions that meet your business's needs at the most excellent price.



What does Commercial General Liability Insurance not Cover?

  • Commercial Liability Insurance often excludes coverage for:
  • Contractual responsibility;
  • Intentional criminal behavior;
  • Infringement of patent;
  • Automobiles or motor vehicles (you'll require Commercial Auto Insurance); or
  • You offer professional services or guidance (you need Professional Liability Insurance).

Commercial General Liability Insurance should be paired with what other types of insurance?


Business owners should consider various forms of insurance when developing a complete insurance policy to protect themselves against third-party liability lawsuits or claims.


For further details on specialized coverage, look into the following business insurance policies:


Insurance for Professional Liability (also known as Errors and Omissions)

  • Insurance for Product Liability
  • Insurance for Commercial Property
  • Commercial Auto Insurance
  • Insurance for Cyber Liability
  • Insurance for Directors and Officers

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