Commercial General Liability, also known as general liability, or business liability, protects your business should you be held liable(and sued) for causing property damage to others, personal and advertising injury, bodily injury(hurting someone else), products and completed operations that are caused by your business, service, or employees. General liability insurance does not cover professional neglect acts. Learn more about professional liability insurance.
Typically, commercial general liability policy will cover the cost of your legal defense fees, and pay damages on your behalf up to the limit of your policy. Some policies provide the defense costs ‘outside’ the limit of your liability policy, so you get the lawyers fees on top of the general liability limit.
A standard commercial general liability policy includes:
- Bodily Injury and Property Damage Liability
- Products & Completed Operations
- Personal and Advertising Injury
- Fire Damage
- Medical Payments
Additional coverage options your business may consider are:
- Directors and Officers liability
- Liquor liability
- Pollution liability
- Commercial Auto
You can purchase commercial general liability insurance by itself, or as part of a Business Owners Policy (BOP), or Commercial Package Policy (CPP), so its important to talk with a knowledgeable insurance professional to find the coverage for your business needs.
Our concierge insurance agents will take the time to explain your options and tailor a general liability insurance policy suited just for you. Ensuring the protection of your assets.