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General Liability Insurance

30 minutes

Insurance Explained

Commercial general liability insurance is a type of insurance coverage that protects businesses from financial losses resulting from claims of bodily injury or property damage caused by the business operations, products, or services. It provides coverage for legal defense costs, settlements, and judgments that may arise from such claims.


This insurance policy typically covers a wide range of risks, including slip and fall accidents, property damage caused by the business, product liability claims, advertising injuries (such as defamation or copyright infringement), and personal injury claims (such as libel or slander). It also includes coverage for medical expenses incurred by third parties due to injuries on the business premises.


Commercial general liability insurance is essential for businesses as it helps protect their assets and reputation in the event of a lawsuit. It provides financial protection against the costs associated with legal defense, settlements, and judgments, which can be significant and potentially devastating for a business.


The coverage limits and premiums for commercial general liability insurance vary depending on factors such as the size and nature of the business, the industry it operates in, and the level of risk involved. It is important for businesses to carefully assess their liability risks and work with an insurance provider to determine the appropriate coverage limits and policy terms to adequately protect their business.

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