Commercial General Liability
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Dec 1, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
As you might expect, commercial insurance comes with more options than personal insurance because there are more risks associated with running a business than running your own life.
Each option is referred to as a “coverage part.” The coverage parts can be purchased mono line, meaning individually, or as part of a package policy, where at least two parts are combined.
What Is CGL?
Commercial General Liability, often referred to as CGL, is the liability coverage option for businesses both large and small.
A CGL will provide insurance for bodily injury and property damage you cause to others. As with other insurance policies, it is broken down into sections, in this case, parts A, B and C.
Coverage part A of the CGL deals with bodily injury (BI) and property damage (PD) you cause to others.
Coverage Part B of the CGL insures against personal and advertising injury.
Personal injury is NOT insurance for BI and PD liability, rather the liability for financial damages that result from libel, slander, wrongful eviction or false arrest, or violating one’s right to privacy.
Advertising injury may result from making false claims about the effectiveness of a product or services.
Coverage C, medical payments to others, is designed as a no fault coverage that doesn’t deal with liability.
This means no fault has to be proven in order to claim for damages.
Similar to medical payments on a homeowner’s policy, payments for medical services can be made to people other than the insured or employees.
Remember, employees are always covered by workers compensation insurance.
In summary, CGL is just the liability portion of every commercial package policy (CPP).
The most common CPP is the Business Owner’s Policy (BOP), which incorporates the CGL with a type of business property and content coverage in a standardized policy designed for small businesses.
Contact your insurer or independent agent if you own a business and have specific coverage questions or are thinking about starting a business, and need assistance deciding what coverage will be necessary to be properly insured against all risks.