COMMERCIAL COMPREHENSIVE GENERAL LIABILITY

Commercial General Liability (CGL) insurance is designed to cover a wide variety of losses that can face a business. These loss exposures include:

Premises Liability — An owner or tenant can be liable if someone is injured or property is damaged because of a condition in or arising out of premises that are owned or occupied.

Business Operations Liability — A business can be liable if bodily injury, personal injury, or property damage results from the activities of the business owner or an employee. These activities can take place on or away from the business location.

Products Liability — Legal liability often arises from bodily injury or property damage caused by a defective product that is manufactured or sold by a business.

Completed Operations Liability — Similarly, legal liability can arise out of work that has been performed. For example, a fire can start as a result of improperly installed gas line.

Contractual Liability — In many cases, a business, through written or oral contracts, assumes liability for the negligent acts of others.

The CGL Coverage Form has three coverages:
1. Coverage A — Bodily Injury and Property Damage Liability
2. Coverage B — Personal and Advertising Injury Liability
3. Coverage C — Medical Payment

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LIABILITY

Coverage Considerations and Definitions

The following are coverage definitions that will better help you understand insurance. Contact us any time regarding quoting or adding any coverages you may not already have.
Property
Liability
Other Coverages