Commercial General Liability (CGL) provides liability insurance for your business operations. It protects businesses from liability imposed by law, for bodily injury or property damage to a third party, arising out of the business operations. This coverage is recommended on all business insurance policies.
Here are a few examples where you could be held liable for any bodily injury or property damage resulting from business operations:
A customer slips and falls on the business’s premise and decides to sue for their injuries.
A customer gets sick after consuming food or beverage that the business sells and decides to sue for their injuries.
A competitor accusing the business of defamation because of its posts on social media.
An employee of the business drops and damages property that belongs to a customer.
The commercial liability section of your business insurance policy may pay for any legal defense costs and damages awarded by the courts to the third-party for the above scenarios, up to the selected coverage amounts.
The above list of examples might not cover other scenarios that are relevant to your business. If you have any questions or need assistance, you can contact one of our insurance specialists by clicking the chat icon or emailing us at [email protected].