General Liability Insurance

Commercial general liability insurance (CGL) protects your business in the event that someone makes a claim against it for bodily harm or property damage. On a daily basis, your company touches the lives of many people, including contractors, clients, customers and the general public. And, at any given point, one or several of these people could claim that your business has caused them bodily injury or property damage and initiate legal recourse.

Who Needs General Liability Insurance?

Commercial general liability insurance helps cover the costs of claims made against your business by people who experience physical injury or property damage while on your business premises, while your employees engage in their work duties, or while using your products. Those costs can include legal defense, judgment or settlement. If you or your employees interact with customers face-to-face, have access to customers’ property, advertise or market your services, work on job sites or enter into contracts that require general liability coverage, then commercial general liability insurance is right for you.

What Does General Liability Insurance Cover?

General liability insurance helps cover your costs to respond to a claim that your business caused property damage or bodily injury. It can help pay for:
 

• A customer or client’s medical expenses if they slip and fall in your business
• Repair costs to fix a wall that your employee accidentally damaged while working at a customer’s home
• Legal costs to defend your business in a lawsuit
• Judgments and settlements from a customer or client’s lawsuit

General liability insurance can help cover claims of:

• Bodily injury or property damage that your business causes.
• Reputational harm resulting from malicious prosecution, slander, libel, wrongful eviction, violating a person’s privacy and more.
• Advertising injuries, such as copyright right infringement from your business’ ads.
• Medical costs if your customer or client hurts themselves while visiting your business.
• Damage to rented property caused by a covered loss such as fire, lightning or explosion.