Commercial general liability (CGL) covers a company for liability arising from its products, services, and operations. It is the broadest type of coverage available and typically includes third-party bodily injury and property damage, personal and advertising injury, and medical payments. What is covered under Coverage A of the CGL policy? Coverage A of the CGL policy provides coverage for bodily injury and property damage that the insured company is legally liable for. This includes damages that occur as a result of the company's products, operations, or premises.
What is not covered under commercial general liability insurance?
There are a few things that are typically not covered under commercial general liability insurance, including:
1. Intentional acts: If you or your employees intentionally injure someone or damage their property, your CGL policy will not cover the resulting damages.
2. Contractual liability: If you are held liable for damages due to a contract you have signed, your CGL policy will not cover the resulting damages.
3. Professional liability: If you are held liable for damages due to your professional services, your CGL policy will not cover the resulting damages.
4. Property damage: If you or your employees damage someone else's property, your CGL policy will not cover the resulting damages.
5. Workers' compensation: If you or your employees are injured while on the job, your CGL policy will not cover the resulting damages. Workers' compensation insurance is a separate type of insurance that you will need to purchase if you want coverage for work-related injuries.
What four types of injury does a CGL commercial general liability policy generally cover?
A commercial general liability (CGL) policy generally covers four types of injury:
1. Bodily injury: This includes physical harm to a person, such as a customer slipping and falling on your premises.
2. Property damage: This covers damage to another person's property, such as a customer's car being damaged in your parking lot.
3. Personal and advertising injury: This includes injuries arising from false advertising or personal injuries, such as libel or slander.
4. Medical payments: This covers medical expenses incurred by a person as a result of an injury on your premises. What are the three sections of commercial general liability? 1. Coverage for "bodily injury" or "property damage" liability
2. Coverage for "personal and advertising injury" liability
3. Coverage for "product liability"
What does a commercial GL policy cover?
A commercial GL policy covers liability arising from the business operations of the policyholder. This can include liability for bodily injury, property damage, personal injury, and advertising injury. The policy may also provide coverage for defense costs and punitive damages.