Commercial General Liability Insurance

CGL insurance covers bodily injury, property damage, and legal defense costs. If a customer slips and falls, if your work damages a client’s property, or if you face an advertising injury claim, this policy helps cover expenses, preventing financial losses for your business.

Yes! Even small businesses face liability risks. A single lawsuit for an injury or accidental property damage could cost thousands of dollars. CGL insurance protects businesses of all sizes from financial losses caused by liability claims, ensuring stability and peace of mind.

No, CGL insurance only covers third-party claims. For employee injuries, you need workers’ compensation insurance. If an employee is injured on the job, workers' comp provides medical benefits and wage replacement, while CGL handles liability claims from customers or visitors.

Many CGL policies cover advertising injury claims, including defamation, copyright infringement, or misleading advertising lawsuits. This protection helps pay for legal defense and settlements, ensuring your business doesn’t suffer financial hardship due to marketing-related claims.