Commercial General Liability Insurance

Covers legal liabilities for bodily injury or property damage caused by your business operations, including medical expenses and legal costs.

Protects against claims related to defective products or faulty workmanship after the sale or completion of services.

Covers non-physical harm such as defamation, slander, invasion of privacy, or copyright infringement from advertising or business operations.

Pays medical expenses for third parties injured on your premises, regardless of fault, providing prompt settlement of smaller claims.

Provides coverage for property damage to premises rented by the insured, particularly for fire or explosion damage.

Covers legal defense costs in lawsuits, including groundless claims, ensuring defense does not erode policy limits.

Protects against liabilities arising from damage to leased premises due to your business activities.

Covers additional legal defense costs, including court costs, attorney fees, and bonds beyond the policy limits.

CGL insurance provides crucial protection against third-party lawsuits, covering legal defense costs, settlements, and court judgments.

Many contracts with clients, vendors, or landlords require businesses to carry CGL insurance to qualify for projects or agreements.

A single lawsuit could bankrupt a business if unprotected. CGL insurance safeguards financial stability by covering devastating legal costs.

Certain industries and jurisdictions mandate CGL insurance to comply with regulatory requirements and operate within the law.

Beyond financial protection, CGL helps manage reputational risks by promptly addressing and resolving third-party claims.

One of the most frequent causes of bodily injury claims when customers or visitors get injured on business premises.

Claims related to bodily injury or property damage caused by defective products your business manufactures, distributes, or sells.

Claims arising from defamation, slander, or copyright infringement caused by business advertising or promotional activities.

Damage to third-party property caused by business operations, such as contractors accidentally damaging client property.

Claims related to environmental contamination caused by business operations, especially in industries dealing with hazardous materials.

Protects against employee-related claims not covered by workers' compensation, such as claims for injury caused by negligence.

Covers claims related to environmental pollution and contamination, which are typically excluded from standard CGL policies.

Covers claims arising from employment issues such as wrongful termination, discrimination, or harassment.

Provides coverage for liability arising from vehicles not owned by the business but used for business purposes.

Covers claims related to data breaches, cyber attacks, and other technology-related risks.

Covers errors and omissions in professional services, which are excluded from standard CGL policies.

Notify the insurer immediately when a potential claim or incident occurs with detailed description and supporting documentation.

Insurer evaluates the claim to determine coverage scope, reviewing circumstances and potential liabilities under policy terms.

Insurer appoints legal counsel with mutual consent to represent your business and protect your interests.

Legal team formulates strategy, prepares defense, explores settlements, and identifies effective legal actions.

Thorough review of relevant documents, contracts, and communications to prepare strong defense with supporting evidence.

Insurer covers defense costs including attorney fees, court expenses, and legal costs throughout proceedings.

If appropriate, insurer and counsel may recommend out-of-court settlement based on cost-benefit analysis.

Insurer disburses payment for settlements or court awards in accordance with policy limits.

Financial stability is critical for covering high-value claims and ensuring prompt payment for business continuity.

Proven track record in efficient claims handling and settlement helps minimize business disruptions.

In-depth knowledge of liability risks and specialized CGL expertise ensures tailored policy coverage.

Strong reinsurance arrangements provide financial backing for large or complex claims with added security.

Ability to customize coverage with flexible limits, tailored endorsements, and industry-specific options.

Responsive support for policy guidance, claims assistance, and ongoing account management.