General Liability Insurance: Protects Your Business From Common Liabilities. Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims.

General Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents which may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

Commercial General Liability: The Most Basic Form Of Business Insurance

If you have only one form of business insurance, it is most likely Commercial General Liability. CGL policies cover claims in four basic categories of business liability:

Bodily Injury

Property Damage

Personal Injury (including Slander or Libel)

Advertising Injury

In addition to covering the claims listed above, Commercial General Liability policies also cover the cost to defend or settle claims even if the claims are fraudulent.

Business Liability Insurance Keeps You In Business.

Every business benefits from adequate Commercial General Liability coverage. CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client’s site.

Commercial General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another’s property, reputation or health, your business can keep its assets if it is adequately insured.

Commercial General Liability Only Protects Against Some Business Liabilities.

Even as a BOP (Business Owner’s Package), where CGL insurance is combined with Property insurance at very reasonable rates, General Liability insurance does not protect your business against every liability. Professional Liability and Employment Practices Liability Insurance (EPLI) are much-needed forms of business liability insurance whose coverage takes over where Commercial General Liability leaves off.

Please contact Kelly Williams for more information regards to California General Liability Insurance

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