Smarter Commercial General Liability Insurance
Save up to 35% on your commercial general liability business insurance
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Save up to 35% on smarter business insurance for Commercial General Liability Insurance
What is CGL Insurance for Businesses?
Commercial general liability is the cornerstone of business insurance. It protects a business from bodily injury claims or property damage claims, which can occur even if they are disconnected from the nature of the business. It can cover the physical premises of the business (such as that classic parking lot slip and fall), bodily injury (if a customer is injured or harmed by something that you sell), or any property damage either on your own property or a property where you are performing work.
Who Needs Commercial General Liability Business Insurance?
While it sounds cliche to say that ‘every business needs CGL insurance,’ most every business does. If your business interacts with the public in any way, there is some potential for harm, whether that customer or client is harmed by something that you sell or by work that you perform on their property. Even virtual businesses should carry commercial general liability business insurance. If you have a business that operates from home but is marketing a product or service to the public, CGL will protect your business from any of your advertising risk. If you do interact with the public in any way, like visiting their home or business, and happen to break a window on their property, CGL will cover that as well.
Examples of Commercial General Liability Insurance Claims
Slip and Fall
Damage to Clients Property
A client is visiting your office, and slips in a puddle of melted snow left behind from the last customer’s winter boots. Even despite having a rubber boot mat, the person who slips breaks a hip and is seriously injured.
Frequently Asked Questions
Why Should You Get CGL Insurance Coverage?
CGL business insurance is so important because it protects the business from having to incur these sorts of liabilities out of pocket. Without CGL insurance, a business sued by a customer as a result of a slip and fall could be held directly liable for any medical bills and other costs, and for a small business those costs can be detrimental.
What Can Affect the Price of Commercial General Liability Insurance?
There are numerous factors that can affect the price of your commercial general liability business insurance coverage. Your years of experience in business, your professional credentials (think advanced training vs. a brand new general contractor), the nature of your work, and your revenue can all be factors. The price will also fluctuate based on the value of what you’re insuring, and what sort of premises you are looking to cover.
When Should Businesses Purchase CGL Insurance?
Businesses should purchase CGL insurance from the day that they start dealing with the public. Not only do they have exposure to liability as soon as they connect with the general public, but it can be easier and less expensive to get a quote early on and develop a great relationship with an insurer.