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Commercial general liability
What Is General Liability Insurance?
From claims of injury, property damage, and negligence, Commercial General Liability protects small business owners from claims of injury or property that relate to their business activities. To cover the costs associated with a legal defense, there is the indemnity provided by liability insurance.
In addition, many small business owners find that their clients require them to have General Liability Insurance (sometimes referred to Commercial General Liability, or CGL, insurance) before they’ll sign a contract. This means that having the right coverage in place can make a significant difference in a business owner’s ability to land clients and bring in revenue.
Commercial general liability (CGL) policy is extremely broad in nature. It insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises, and ventures. The broad nature of these forms eliminates having to select and group individual or specific hazards, with the resulting potential gaps in coverage.
These policies can be offered on either an occurrence or a claims-made basis, as a monoline policy or combined with one or more other lines of insurance to form a commercial package policy. The basic exposures of the named insured covered by the CGL coverage forms include:
Ownership, maintenance, or use of the premises
Operations conducted or performed on or off the premises
Written contracts and agreements
Products manufactured, sold, or distributed
Medical payments on the premises or at job sites, without regard to fault
Each of these coverages is subject to certain policy definitions, exclusions, and limitations.
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