A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts.

Does general liability insurance cover negligence?

General liability insurance protects you against claims of negligence. When the claim is a valid one, an individual can pursue you for the damages. They can pursue you for damages sustained due to bodily injury, property damage, or advertising injury.

What are the three areas of general liability?

General Liability covers personal and bodily injury to non-employees, property damage to non-owned property, advertising injury, employee benefits liability, and professional liability (except for medical malpractice, which is covered under the Professional Medical and Hospital Liability Program).

What four types of injury does a CGL commercial general liability policy generally cover?

Commercial general liability (CGL) is a type of insurance coverage that protects a business from risks such as bodily harm, property damage, advertising, and personal injuries.

What do you mean by commercial general liability?

Commercial general liability is considered comprehensive business insurance, though it does not cover all risks a business may face.

What are exclusions in commercial general liability insurance?

Some commercial general liability policies may have exclusions to what actions are covered. For example, a policy may not cover the costs associated with a product recall. When purchasing commercial general liability insurance, it is important for the business to differentiate between a claims-made policy and an occurrence policy.

Can a CGL policy cover a professional error?

Professional errors. If you make a professional mistake, a CGL policy will not cover it. In these instances, you would need a professional liability policy. Vehicle coverage. A CGL insurance policy will not cover your vehicle or any damages that your vehicle may sustain.

What does ” employee of the insured ” mean in CGL?

The coverage argument usually focuses on whether “employee of the insured” means any employee of anyone with the status of an insured (or all insureds) or if “employee of the insured” means only the direct employees of the insured against whom the claim is being made.