General Liability

Many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured. In the United States, general liability insurance coverage most often appears in the Commercial General Liability policies obtained by businesses. This protection, also known as business liability insurance or commercial general liability (CGL) insurance, protects your business should injury or property damage occur to others as a result of your business operations.

  • Property Damage – Damage to property that you are legally liable for (including rented property).
  • Bodily Injury – Injuries to persons for which you are legally liable
  • Medical Payments – Bodily injury that occurs during the course of your business operations
  • Defense Costs – Suits against your company regardless of fault.
  • Personal & Advertising Injury – Claims of slander and libel that are not part of your professional services.