Commercial General Liability Insurance

Commercial General Liability insurance that's simple, easy and clear.

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Commercial General Liability (CGL) provides coverage for liability claims arising from bodily injury and property damage to others as a result of your operations. Losses and subsequent claims could be caused by you, your employees, your products, completed operations or by something occurring on your premises.

What is liability in insurance terms?

Liability refers to the financial responsibility resulting from damage caused to property or bodily injury of a third party.  Every business regardless of size runs the risk of causing damage or injury to others. The exposure to risk differs from one type of business to another. You can also find yourself in a legal situation even if you may not have done anything wrong.  Having liability insurance will help mitigate any loss resulting from a lawsuit.

What is Commercial General Liability Insurance?

Commonly known as CGL, commercial general liability insurance will help mitigate loss to your business if it is liable for damage or bodily injury to a third party, whether the damage or injury occurred on your business premises or away from your operations.

What are bodily injury claims?

You have heard of a classic “slip and fall”. Someone trips coming up the stairs of your place of business and injury ensues….followed by actual suing.  If your customer decides to file a law suit because of injury sustained while on your property or your operations caused injury away from your business, the CGL portion of your business insurance policy will help cover losses experienced by your company.

Who can make bodily injury claims against your company should injury occur?

  • Employees
  • Customers
  • Suppliers
  • Delivery personnel
  • Maintenance workers

What types of expenses are usually covered by commercial general liability insurance?

  • Judgements against your company to offset pain and suffering of the injured person
  • Lost wages of the person sustaining injury while they are unable to perform their job duties because of injury
  • All expenses such as medical related costs

What is property damage liability?

If your business is found liable for damage caused to a third party’s property –

  • You could face legal costs
  • Your company’s reputation could be at risk

Commercial General Liability Insurance will help mitigate cost you would be facing if your business is found liable for property damage to others.

What types of businesses need Commercial General Liability Insurance?

All types of business regardless of their size are at risk of causing damage or injury to others so it is important as a business owner that your risks are well covered off with the financial backing of a good insurance policy. In fact, many companies now require proof of insurance coverage called a certificate of liability prior to your business being able to work with them.

Let our team help you find the right coverage for your business. Or get started on your quote today.

Commercial General Liability insurance that's simple, easy and clear. Get a quote