Commercial general liability insurance (CGL) protects your business in the event that someone makes a claim against it for bodily harm or property damage.
On a daily basis, your company touches the lives of many people, including contractors, clients, customers and the general public. And, at any given point, one or several of these people could claim that your business has caused them bodily injury or property damage and initiate legal recourse.
What Does Commercial General Liability Insurance Cover?
Commercial general liability business insurance covers a variety of claims for damages that can result from:
Injuries that happen on your property, such as those from slips or falls
Bodily injury or property damage to a third party caused by your work, products or your employees' activities
Liability of others assumed in specifically defined contracts
Libel, slander or business disparagement
Copyright infringement in your advertisement
Who Is Commercial General Liability Insurance Right For?
If it's possible that someone could claim bodily injury or property damage due to your business operations, your employees' actions or your services or products, you should have general liability insurance. Travelers offers commercial general liability insurance options that protect against the unique risks of businesses in a wide range of industries.
Who Needs General Liability Insurance?
Commercial general liability insurance helps cover the costs of claims made against your business by people who experience physical injury or property damage while on your business premises, while your employees engage in their work duties, or while using your products. Those costs can include legal defense, judgment or settlement. If you or your employees interact with customers face-to-face, have access to customers’ property, advertise or market your services, work on job sites or enter into contracts that require general liability coverage, then commercial general liability insurance is right for you.
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