Commercial General Liability Insurance

Commercial General Liability (CGL) insurance is designed to protect the business against losses even if they are negligent or liable for damage, injury, or loss to another’s property, reputation, or health. Typically, damages, legal defense fees, and settlement charges are paid by the insuring company when a claim is filed against the business.

Bodily Injury

Liability coverage may pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury.

Property Damage

In the event your business causes damage to, or causes the loss of use of someone else’s property, property damage coverage may pay for the value of the physical damage to the property; or the loss of use of that property.

Products & Completed Operations

A CGL policy may provide coverage for your company’s completed products or services. If an injury occurs due to the use of your products or services provided, the policy would pay for the resulting damages and any legal expenses up to the policy limits.

Contractual Liability

General liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease.

Liquor Liability

If you’re in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, the policy may protect you in case someone claims you are legally liable for a liquor-related accident.

Medical Payments

If someone is injured by you or at your business site, the policy may pay for medical and funeral expenses incurred, up to policy limits, within one year of the accident. An example of this is if a customer tripped and fell on your premises and had to be hospitalized.

Hired Auto & Non-Owned Auto

Hired Auto & Non-Owned Auto coverage if requested is typically added as an endorsement on a CGL policy. If there are no vehicles owned by the company this coverage will meet the contract requirement for Commercial Auto coverage.

Non-Owned Auto coverage protects your company if your company is sued as a result of an auto accident that you or one of your employees has in a personal vehicle while on company business.

Personal Injury

Most General Liability policies provide coverage if you are accused of:

• Publishing inaccurate information that slanders or libels a person or organization

• Publishing material that violates a person’s right of privacy

• Falsely arresting, detaining or imprisoning someone

• Maliciously prosecuting someone

• Wrongfully evicting someone

Advertising Injury

In the course of advertising your company’s own goods, products or services, this policy will provide valuable liability protection against advertising injuries resulting from:

• Publishing inaccurate information that slanders or libels a person or organization

• Publishing material that violates a person’s right of privacy

• Copying some other company’s advertising ideas or style of doing business

• Infringing on another company’s copyright, title or slogan

Specialty Insurance

A Commercial General Liability Policy won’t cover every potential risk, so specialty insurance may be needed depending on your company’s needs.

Professional
Liability

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• Accidents that cause bodily injury and/or property damage

• Claims such as libel and slander

• False advertising

*General Liability insurance does not cover errors or negligence from professional services.

Employment Practices Liability

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Employment practices liability coverage protects an employer against an employee’s claims of alleged wrongful acts arising from the employment process. The purpose of this insurance is to protect the corporation, directors, officers and employees from alleged employment-related wrongful acts. Some features to having this policy are coverage for front/back pay, attorneys’ fees and compensatory damages, for punitive damages where insurable by law, for actual or alleged retaliatory treatment, varying retention’s for class action suits or other claims, for emotional distress or mental anguish, no purposeful or intentional acts exclusion or reductions in force or mass layoffs exclusion. Understand that coverage varies from company to company.

Directors & Officers
Liability

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Directors and Officers Liability coverage protects executives against claims alleging negligence, errors and omissions, misstatements, misleading statements and misrepresentations. Most organizations have a general liability policy that protects its directors and officers against negligent acts that result in bodily injury or property damage. However, general liability does not protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury. Directors and Officers coverage protects your executives from potential lawsuits resulting from key decisions or management practices-lawsuits that may target their personal assets.

Commercial General Liability Insurance