Learn about Commercial General Liability Insurance and find out how it helps your business.

Commercial General Liability Insurance protects your business against bodily injury or property damage claims for which your business is found to be legally liable.
A typical CGL policy provides coverage for claims of bodily injury or other physical injury, personal injury, advertising injury and property damage as a result of your products, premises or operations.
Commercial General Liability policies typically provide coverage for the cost to defend and settle claims.
It can also be offered as a package policy with other coverages such as property and crime coverage.
The amount of coverage that your business needs depends on three factors:.
One: Perceived risk: Consider the amount of risk associated with your industry category.
For instance, if you manufacture heavy machinery you would generally need more coverage as compared to another business that manufactures small office supplies.
Two: Premises and operations liability: Consider where you are doing business.
If you operate in a state that has a reputation for rewarding high damages, or a particularly litigious culture, then you may want to purchase higher limits of liability to better protect your business.
Three: Products and services provided: Consider the specific areas where you encounter higher risks.
For instance, if you provide roofing or tree trimming services then you would generally need more coverage as compared to another business where there is no height exposure.
If higher limits of liability are desired or required then an umbrella or excess liability policy can be put together to help achieve the needed limits of liability.
As a safeguard against liability, a well constructed commercial general liability policy enables you to focus on your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing.
Please contact us with further questions on this or any other risk management topic. We will see you again soon!