{"id":151139,"date":"2023-10-05T15:09:20","date_gmt":"2023-10-05T15:09:20","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/"},"modified":"2023-10-05T15:09:20","modified_gmt":"2023-10-05T15:09:20","slug":"what-is-covered-under-a-commercial-general-liability-policy","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/","title":{"rendered":"What is covered under a commercial general liability policy?"},"content":{"rendered":"<p>Commercial general liability (CGL) insurance policies are essential for businesses of all sizes, providing coverage for a wide range of risks. Understanding what is covered under a commercial general liability policy is crucial for business owners to protect themselves from potential liabilities and financial losses. Let&#8217;s dive into the details.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#What_does_a_commercial_general_liability_policy_cover\" title=\"What does a commercial general liability policy cover?\">What does a commercial general liability policy cover?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Bodily_injury_and_property_damage\" title=\"Bodily injury and property damage\">Bodily injury and property damage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Product_liability\" title=\"Product liability\">Product liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Completed_operations\" title=\"Completed operations\">Completed operations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Advertising_and_personal_injury\" title=\"Advertising and personal injury\">Advertising and personal injury<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Legal_defense_costs\" title=\"Legal defense costs\">Legal defense costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Medical_expenses\" title=\"Medical expenses\">Medical expenses<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Additional_Frequently_Asked_Questions_FAQs\" title=\"Additional Frequently Asked Questions (FAQs)\">Additional Frequently Asked Questions (FAQs)<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Is_damage_to_my_own_property_covered_under_a_CGL_policy\" title=\"Is damage to my own property covered under a CGL policy?\">Is damage to my own property covered under a CGL policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Does_a_CGL_policy_cover_professional_errors_or_omissions\" title=\"Does a CGL policy cover professional errors or omissions?\">Does a CGL policy cover professional errors or omissions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#What_if_an_employee_is_injured_on_the_job\" title=\"What if an employee is injured on the job?\">What if an employee is injured on the job?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Does_a_CGL_policy_cover_damage_caused_by_cyber-attacks\" title=\"Does a CGL policy cover damage caused by cyber-attacks?\">Does a CGL policy cover damage caused by cyber-attacks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Is_damage_caused_by_faulty_workmanship_covered\" title=\"Is damage caused by faulty workmanship covered?\">Is damage caused by faulty workmanship covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Does_a_CGL_policy_cover_punitive_damages\" title=\"Does a CGL policy cover punitive damages?\">Does a CGL policy cover punitive damages?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Are_employees_covered_under_a_CGL_policy\" title=\"Are employees covered under a CGL policy?\">Are employees covered under a CGL policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Do_CGL_policies_cover_intentional_acts\" title=\"Do CGL policies cover intentional acts?\">Do CGL policies cover intentional acts?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Can_I_add_additional_coverage_to_my_CGL_policy\" title=\"Can I add additional coverage to my CGL policy?\">Can I add additional coverage to my CGL policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Does_a_CGL_policy_cover_claims_made_during_the_policy_period_only\" title=\"Does a CGL policy cover claims made during the policy period only?\">Does a CGL policy cover claims made during the policy period only?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Is_advertising_injury_covered_under_a_CGL_policy\" title=\"Is advertising injury covered under a CGL policy?\">Is advertising injury covered under a CGL policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#Are_there_any_exclusions_to_CGL_coverage\" title=\"Are there any exclusions to CGL coverage?\">Are there any exclusions to CGL coverage?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_does_a_commercial_general_liability_policy_cover\"><\/span>What does a commercial general liability policy cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A commercial general liability policy typically covers the following:<\/p>\n<p>1. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bodily_injury_and_property_damage\"><\/span>Bodily injury and property damage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   This coverage protects your business in case someone is injured or their property is damaged due to your business operations or premises.<\/p>\n<p>2. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Product_liability\"><\/span>Product liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   Product liability coverage comes into play when someone suffers harm or injury due to a product your business manufactures or sells.<\/p>\n<p>3. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Completed_operations\"><\/span>Completed operations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   This coverage provides protection for any injury or damage that occurs after your business has completed work or provided a service.<\/p>\n<p>4. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Advertising_and_personal_injury\"><\/span>Advertising and personal injury<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   CGL policies usually cover claims related to advertising injuries such as slander, libel, defamation, or copyright infringement.<\/p>\n<p>5. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Legal_defense_costs\"><\/span>Legal defense costs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   A CGL policy typically includes coverage for legal expenses associated with defending against covered claims, even if they are groundless or false.<\/p>\n<p>6. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Medical_expenses\"><\/span>Medical expenses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   If someone sustains minor injuries on your premises, a CGL policy can cover their medical expenses, regardless of liability.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Additional_Frequently_Asked_Questions_FAQs\"><\/span>Additional Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Now, let&#8217;s address some common FAQs related to commercial general liability policies:<\/p>\n<p>1. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_damage_to_my_own_property_covered_under_a_CGL_policy\"><\/span>Is damage to my own property covered under a CGL policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   No, a CGL policy does not cover damage to your own property. It only covers damage to others&#8217; property.<\/p>\n<p>2. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_a_CGL_policy_cover_professional_errors_or_omissions\"><\/span>Does a CGL policy cover professional errors or omissions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   No, professional errors or omissions are typically covered under professional liability insurance, not a CGL policy.<\/p>\n<p>3. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_if_an_employee_is_injured_on_the_job\"><\/span>What if an employee is injured on the job?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   Employee injuries are generally covered by workers&#8217; compensation insurance, not a CGL policy.<\/p>\n<p>4. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_a_CGL_policy_cover_damage_caused_by_cyber-attacks\"><\/span>Does a CGL policy cover damage caused by cyber-attacks?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   No, cyber-related damages are usually covered under specialized cyber liability insurance, not a CGL policy.<\/p>\n<p>5. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_damage_caused_by_faulty_workmanship_covered\"><\/span>Is damage caused by faulty workmanship covered?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   No, faulty workmanship is not typically covered by a CGL policy. It may require additional coverage, such as a contractor&#8217;s professional liability policy.<\/p>\n<p>6. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_a_CGL_policy_cover_punitive_damages\"><\/span>Does a CGL policy cover punitive damages?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   In most cases, CGL policies do not cover punitive damages, which are intended to punish the liable party rather than compensate the victim.<\/p>\n<p>7. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_employees_covered_under_a_CGL_policy\"><\/span>Are employees covered under a CGL policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   No, employees are not covered under a CGL policy. They are typically covered under workers&#8217; compensation and employer&#8217;s liability insurance.<\/p>\n<p>8. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_CGL_policies_cover_intentional_acts\"><\/span>Do CGL policies cover intentional acts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   CGL policies generally do not cover intentional acts committed by the insured or their employees. Coverage is usually limited to accidental or unintentional acts.<\/p>\n<p>9. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_add_additional_coverage_to_my_CGL_policy\"><\/span>Can I add additional coverage to my CGL policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n   Yes, you can often customize your CGL policy by adding endorsements or purchasing additional coverage, such as liquor liability or pollution liability.<\/p>\n<p>10. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_a_CGL_policy_cover_claims_made_during_the_policy_period_only\"><\/span>Does a CGL policy cover claims made during the policy period only?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n    Yes, a CGL policy generally covers claims made and reported during the policy period. Claims reported after the policy has expired may not be covered.<\/p>\n<p>11. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_advertising_injury_covered_under_a_CGL_policy\"><\/span>Is advertising injury covered under a CGL policy?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n    Yes, advertising injury, including claims of slander, libel, defamation, or copyright infringement, is typically covered under a CGL policy.<\/p>\n<p>12. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_exclusions_to_CGL_coverage\"><\/span>Are there any exclusions to CGL coverage?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\n    Yes, there are certain exclusions in a CGL policy, such as intentional acts, professional services, employee injuries, and pollution-related claims. Reviewing your policy is crucial to understanding specific exclusions.<\/p>\n<p>In conclusion, a commercial general liability policy covers bodily injury, property damage, product liability, completed operations, advertising and personal injury, legal defense costs, and medical expenses. However, it&#8217;s important to carefully review your policy and consider additional coverage options to ensure comprehensive protection for your business.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Commercial general liability (CGL) insurance policies are essential for businesses of all sizes, providing coverage for a wide range of risks. Understanding what is covered under a commercial general liability policy is crucial for business owners to protect themselves from potential liabilities and financial losses. Let&#8217;s dive into the details. What does a commercial general &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is covered under a commercial general liability policy?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/#more-151139\">Read more<span class=\"screen-reader-text\">What is covered under a commercial general liability policy?<\/span><\/a><\/p>\n","protected":false},"author":36,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-151139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is covered under a commercial general liability policy?<\/title>\n<meta name=\"description\" content=\"Commercial general liability (CGL) insurance policies are essential for businesses of all sizes, providing coverage for a wide range of risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is covered under a commercial general liability policy?\" \/>\n<meta property=\"og:description\" content=\"Commercial general liability (CGL) insurance policies are essential for businesses of all sizes, providing coverage for a wide range of risks.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/what-is-covered-under-a-commercial-general-liability-policy\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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