Comprehensive Liability Shield for Your Business Operations
Commercial General Liability (CGL) Insurance provides broad protection against third-party claims arising from your business operations, premises and products. It covers legal defence costs and compensation for bodily injury, property damage and certain personal and advertising injuries. CGL is a foundational liability cover for businesses that interact with customers, vendors or the public.
Premises and operations liability coverage
Personal and advertising injury coverage
Covers Product Liability & Product Recall
Legal defence costs included within or in addition to limits
Options for contractual liability and cross-liability extensions
Frequently Asked Questions
What does CGL insurance cover?
Third-party bodily injury, property damage and certain personal and advertising injuries.
Is product liability included in CGL?
Often yes, via products and completed operations coverage, subject to policy terms.
Does CGL cover contractual liability?
Some contractual liabilities are covered; others need specific extensions or may be excluded.
Are employee injuries covered under CGL?
Employee injuries are usually excluded and covered under Workmen Compensation policies.
Is pollution liability included?
Standard CGL often excludes gradual pollution; limited sudden and accidental cover may be available.
Can CGL be required by clients or landlords?
Yes, many contracts mandate minimum CGL limits and additional insured status.
