California Business Benefits

General Liability Insurance

 

 

What Is General Liability Insurance?

 

General Liability Insurance (GLI), also known as commercial general liability (CGL) insurance, can help protect your business if someone sues you for causing property damage or bodily injury. You can get this insurance as a standalone policy or bundle it with other coverages in a Business Owner’s Policy (BOP).

 

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What Does Commercial General Liability Insurance Cover?

Commercial general liability insurance is one of the most important coverages you can buy for your business. That’s because a liability claim can be devastating to your business. And if you don’t have the money to cover a claim, you may have to close your business’ doors for good.

 

A general liability insurance policy can help protect your business from:

 

Third-party bodily injury if someone sues you because they were injured on your business property. For example, if a delivery person trips on loose carpeting and breaks their wrist, general liability insurance can help cover the costs of the lawsuit and help pay for the medical bills.

 

Third-party property damage if you or one of your employees damages someone else’s property. For example, general liability insurance can help cover the costs if your equipment breaks a neighboring business’ window.

 

Reputation harm if someone sues your business for libel or slander. For example, if you say something about a competitor’s product during an interview and they make a claim that it slandered their business, general liability insurance can help cover your legal costs.

 

Advertising injury if another business in your industry claims that your advertising looks too much like theirs. If they say it’s hurting their business, general liability can help cover your costs to resolve the claim.

 

If someone makes a claim against your business, commercial gl insurance can help cover your costs for:

 

• Legal teams to represent your small business

• Witness fees

• Evidence costs

• Judgments or settlements

Be aware that gl insurance does not cover:

 

• Employees’ work-related injuries or illnesses, which workers’ comp insurance can help cover

• Damage to your own business property, which commercial property insurance helps cover

Is Commercial GL Insurance Required By Law?

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No, commercial gl insurance is not required by law. However, most businesses don’t have the money to survive a large liability claim against them. When you realize that 4 out of 10 small businesses will experience a liability claim in the next 10 years, a general liability policy makes sense.1 Our claims data shows: