THE BEST GENERAL LIABILITY INSURANCE FOR YOUR BUSINESS

What is it? Do I need it?

General liability (called commercial general, or CGL, for businesses) is the basic coverage for running a business. Commercial general liability typically covers claims involving property damages, bodily injury, or personal injury (including libel or slander).

Take the next step and ensure your business is covered.

Get a risk assessment from real experts

We will take the time to talk with you and truly understand your unique business needs


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DO I NEED GENERAL LIABILITY INSURANCE?

Yes, think of commercial general liability insurance as you do for insurance for your car. You wouldn’t drive without insurance, so don’t run a business without CGL. Without it, any slip, fall or crash could become your personal liability.

HOW MUCH GENERAL LIABILITY INSURANCE DO I NEED?

Because most businesses have commercial liability, the real key is understanding the details of your policy. There are exclusions and coverage forms that can be adjusted up or down depending on your unique risk profile. It is important to understand specifically what is excluded and what is covered. We can help by walking you through your current policy.

What is the difference between general liability and an umbrella policy? Do I need both?

General liability policy has limits for certain types of claims. An umbrella policy is a cost-effective way to increase all of your liability coverage (not just general liability).

What is an example of a general liability claim?

An accident is caused by someone tripping over a computer cable in your office, or perhaps a client falling on their way to see you as a result of an uneven pathway in your company parking lot. For both personal injury and property damage claims, you are covered for related legal fees, costs and expenses.

Are there specific areas not covered by general liability?

General liability policies have common exemptions for liquor, contractual obligations or damage or injury caused by aircraft, watercraft or autos. There are other types of coverage to mitigate these risks. Talk to one of our experts to be sure you’re covered.

INTERESTED IN HOW ELSE YOU CAN PROTECT YOURSELF AND YOUR COMPANY?