General Liability Insurance

Commercial General Liability (CGL) Insurance is foundational protection for businesses of all sizes. It helps safeguard your company from financial loss if you're held legally responsible for bodily injury, property damage, or personal and advertising injury caused by your business operations, products, or services. Whether you're a contractor, retailer, or professional service provider, CGL coverage is a critical layer of defense in today’s business environment.

Why do you need it?

Accidents happen—on job sites, in offices, or even during routine client visits. Without liability coverage, a single lawsuit or claim could put your business and personal assets at risk. CGL insurance helps protect your livelihood by covering legal fees, medical expenses, and potential settlements. It also shows clients and partners that your business is credible, professional, and prepared for the unexpected.

What does it cover?

A standard Commercial General Liability policy may include:

Bodily Injury – Covers medical costs and legal fees if someone is injured on your business premises or due to your operations.
Property Damage – Pays for damage to someone else’s property caused by your business activities.
Personal and Advertising Injury – Covers claims of slander, libel, copyright infringement, and similar risks tied to your marketing or communication.
Medical Payments – Provides immediate coverage for minor injuries without requiring a lawsuit.
Legal Defense Costs – Covers your legal representation and court fees, even if a claim is groundless.

General liability is often the first policy a business needs—and often the one it relies on the most.