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CGL / Commercial General Liability 

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Pretty much every business small or large, requires CGL. Whether you’re a consultant, own your own retail business, work as a contractor or skilled tradesperson, one of the most important types of insurance coverages you need to protect your business is commercial general liability (CGL) insurance. If a lawsuit is filed against your business, It would not just affect your bottom line, but may also damage your reputation with your clients or customers. Understanding the risks your business faces and having the right CGL coverage to protect you from those risks is an important step in safeguarding your operations.

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What is liability?

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When dealing with small or large businesses, liability refers to your company being responsible for damages to a third party in the eyes of the law. Once you become a business owner, you’re exposed to a variety of liability risks. In some instances, your business may not do anything wrong and you may still find yourself tangled up with a lawsuit. Having the right insurance coverage can help mitigate the losses you experience from a liability claims.

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What is commercial general liability insurance?

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Commercial general liability insurance is designed to protect you and your business from a loss if you’re found legally liable for bodily injuries or property damage to a third party caused by the product you sell or the service you provide. CGL insurance can also offer protection in situations where you or your staff are conducting business offsite.