Commercial General Liability Insurance FAQs

Commercial General Liability Insurance protects you and your employees from lawsuits involving covered events that occur on your premises, or arise from your operations or your sale of products.

CGL covers you and your partners, co-owners, or directors; your spouse; and your employees and volunteers. Other parties like real estate managers and legal representatives can also be covered by CGL.

CGL applies when a person insured under your policy is involved in a covered incident in the course of your company's operations. Covered incidents include accidents on your premises or at your worksite, damage resulting from your sale of products or your completed work off-premises, and personal or advertising injury arising out of your company's operations.

CGL does not cover damage to your property, premises you own, or injuries to your employees.

Personal and advertising injury involves damage arising from false arrest, detention, or imprisonment; wrongful eviction, entry, or invasion of privacy; slander or libel; oral or written violation of privacy; and the infringement of your advertisement on another's copyright, trade dress, or slogan.

We generally provide coverage limits of $1 million per occurrence and $2 million aggregate. Higher limits are available and will be considered upon request.

We invite you to apply for a quote if your business falls into one of the following categories:

• Barber Shops
• Beauty Salons
• Carpentry Contractors (interior finish)
• Electrical Contractors
• Floor Covering Installation (no ceramic tile or stone)
• Heating and Air Conditioning Contractors
• Janitorial/Building Cleaning and Maintenance (interior only)
• Masonry Contractors
• Nail Salons
• Painting and Paper Hanging Contractors (interior only)
• Plumbing Contractors (residential)

You can apply for the General Liability Plus Extension, which will provide additional coverage for:

• Damage to premises rented to you
• Fire, lightning, explosion, or sprinkler leakage damage
• Increased payments for court-related expenses
• Newly acquired or formed organizations