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General liability insurance

Commercial general liability (CGL) coverage is a type of insurance that protects the insured against liability claims made by third parties. It’s commonly used to protect company owners engaged in business activities that involve other people, such as construction, businesses with employees, retail establishments and nonprofit organizations.

CGL insurance provides coverage for bodily injury or property damage caused to a third party by the business’s operations, products or injuries sustained on the business’s premises. Some policies also extend coverage to cover violations of employee rights.

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Industries that should purchase general liability insurance

All industries have an exposure to which Commercial General liability insurance would respond.  The exposure differs depending on the industry, but coverage under a Commercial General Liability policy extends to provide coverage for such things as; expenses such as legal fees, medical bills, third party property damage, resulting from injury to a third party and more.

Some more common industries include:

  • Construction companies
  • Food services
  • Hospitals
  • Hotels and resorts
  • Laboratories
  • Manufacturing businesses
  • Medical offices or clinics
  • Restaurants, cafeterias, and coffee shops
  • Retail stores (including product manufacturers)
  • Schools and educational institutions (including public schools)

Generally, all industries should purchase this type of insurance. If you own property, you’re bringing clients into your office, making repairs, manufacturing products, or selling products, then you need to cover your liability exposure.

What general liability insurance does for you

Ask yourself how you’ll cover all the potential expenses involved if someone decides to sue your business. This insurance helps protect your assets and manages the risk involved with running any type of business.

It’s easy to dismiss the need for this insurance, because of course you are running an upstanding business with health and safety in mind. However, you can’t control all situations or even employee actions that arise during the normal course of running your company. 

General liability insurance protects individuals and businesses from lawsuits for damages to others  property, injury, or death. The policy's broad coverage includes not only property damage and bodily injury  but also legal expenses arising from an accident.

There are very few businesses that can cover hundreds of thousands or even millions of dollars in costs that might arise from a lawsuit, which is why it’s so important to put this coverage in place immediately.

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Do you have enough coverage? Let’s find out.