General Liability Insurance
General Liability insurance protects the activities of your commercial enterprise in dealings with the public. This important coverage safeguards business and civil liability concerning four main categories: A) Bodily injury and property damage, B) Products and Operations, C) Personal and Advertising Injury, and D) Medical Payments. “CGL” insurance pays for what an insured is legally obligated to pay. Most policies cover both claims and legal defense costs, on the basis of the insurance company’s “duty to defend” principle.
Although there are a number of exclusions on standard CGL forms, most exclusions can be covered elsewhere (for example: electronic data breach through cyber liability policies; liquor liability through “dram shop insurance”; pollution liability through a separate pollution insurance form; and professional or fiduciary liability through errors & omissions).
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