Commercial general laibility (CGL) & (GL)

If you want to ensure that your small business has financial protection from unforeseen claims, general liability insurance is a smart investment.

While it’s not always required by law, it may be required by certain contracts or lease arrangements.

With a general liability policy it’s easy to get protection from the costs of:

• Property Damage - When customer property is damaged by an employee, your coverage may pay for a replacement. For example: Your contractor accidentally sets fire to a building they are working in, and repair costs will exceed $150,000. Now, you may be liable to pay for the damages and construction costs. With small business general liability insurance you would likely have help covering the costs of those damages.

• Bodily Injury - If someone other than an employee is injured on your property, this coverage can take care of medical expenses plus legal expenses and damages.

• Product Liability - If products developed or sold by your business harm people or property, this coverage can pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

• Libel, Slander, and Copyright - This coverage can pay for lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.