What does commercial general liability insurance cover?

Commercial general liability insurance is an essential form of coverage that protects businesses from a variety of potential risks. But what exactly does it cover? In this article, we will delve into the details and explore the scope of commercial general liability insurance.

What does commercial general liability insurance cover?

Commercial general liability insurance, commonly known as CGL insurance, provides coverage for bodily injury, property damage, advertising injury, and personal injury claims arising from your business operations.

1. Does commercial general liability insurance cover bodily injury?

Yes, CGL insurance covers bodily injury claims that occur on your business premises or as a result of your business operations.

2. Does commercial general liability insurance cover property damage?

Absolutely! CGL insurance provides coverage for property damage caused by your business operations or on your premises.

3. Does commercial general liability insurance cover advertising injury?

Yes, CGL insurance covers advertising injuries such as trademark infringement, libel, slander, or copyright infringement arising from your business advertising activities.

4. Does commercial general liability insurance cover personal injury?

Certainly! CGL insurance covers personal injury claims, including false arrest, wrongful eviction, malicious prosecution, or invasion of privacy.

5. Does commercial general liability insurance cover product liability?

No, CGL insurance typically does not cover product liability claims. For product-related risks, you may need to consider additional coverage like product liability insurance.

6. Does commercial general liability insurance cover professional errors or negligence?

No, commercial general liability insurance does not cover professional errors or negligence. Professional liability insurance, also known as errors and omissions insurance, is specifically designed to cover such risks.

7. Does commercial general liability insurance cover damage caused by natural disasters?

CGL insurance does not cover damage caused by natural disasters such as floods or earthquakes. You may need to explore separate policies like commercial property insurance or specialized policies for specific natural disasters.

8. Does commercial general liability insurance cover claims related to employee injuries?

No, CGL insurance does not cover claims related to employee injuries. Workers’ compensation insurance is the appropriate coverage for employee injuries.

9. Does commercial general liability insurance cover legal fees and court costs?

Yes, CGL insurance generally covers legal fees and court costs associated with covered claims, including defense costs and settlement expenses.

10. Does commercial general liability insurance cover claims arising from online activities?

Yes, CGL insurance covers claims arising from most online activities, including defamation, copyright infringement, or injury caused by online advertisements.

11. Does commercial general liability insurance cover claims from clients or customers?

Yes, CGL insurance provides coverage for claims made by clients or customers for bodily injury, property damage, advertising injury, or personal injury arising from your business operations.

12. Does commercial general liability insurance cover claims made after the policy expires?

No, CGL insurance covers claims made during the policy period. Once the policy expires, any claims arising afterward will not be covered, unless you have an extended reporting period endorsement.

In conclusion, commercial general liability insurance plays a crucial role in safeguarding businesses against various risks. From bodily injury and property damage claims to advertising and personal injury disputes, this coverage provides financial protection, legal support, and peace of mind. However, it is important to review your policy thoroughly and consider additional coverage options based on the unique risks your business may face.

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