Commercial General Liability

Commercial General Liability

Commercial General Liability policy (CGL) protects your business from damages caused by bodily injury or property damage to others for which your business is found to be legally responsible for.

The policy usually goes beyond just bodily injury or physical injury to include coverage for personal injury (libel or slander), advertising injury, and property damage as a result of your products, premises or operations.   This coverage enables you to continue your normal operations when you have been confronted with real or fraudulent claims of negligence or wrongdoing.   One of the many benefits of this coverage is it will respond to cover the cost to defend against and settle claims.

Here is more detail on what a typical CGL policy may cover:

• Damages awarded to a third party for bodily injury or damage to their property, for which you are legally responsible to pay
• Automatic Additional Insured – coverage is provided for written contracts, agreements and permits
• Personal and Advertising Injury – protects against offences made by you or your staff during the course of business, such as libel, slander, disparagement or copyright infringement in advertisements.
• Defence Costs – provides coverage for legal expenses for liability claims brought against the business
• Medical Expenses – provides coverage if someone is injured on your premises, or by your products, whether you are legally responsible or not
• Occupiers and Operations Liability – provides coverage for bodily injury and property damage sustained by others on your premises or in conjunction with the work you perform as a business
• Products Liability – provides coverage for bodily injury and property damage sustained by others as a result of your products

Our commercial insurance experts are here to help you find the best coverage to fit your needs. Contact us today to find out more.

Payment plans are available for all commercial policies.