General liability insurance is defined as insurance protection for third-party property damage or personal and advertising injuries allegedly caused by you or an employee.
Commercial general liability (CGL) insurance provides a financial safety net in case you’re sued for a bodily injury that occurred at your business, for damaging a visitor’s property, or causing an advertising injury, such as slander, copyright violation, or libel.
Your general liability insurance will pay for reasonable costs involved in your legal defense. This includes attorney, court, and expert witness fees. It also covers any financial losses you incur while participating in your defense.
General liability insurance also covers judgments and settlements related to your case, as well as the plaintiff’s medical expenses.
For cases of serious property damage or injuries, settlements and court judgments can easily bankrupt a small business. For this reason, general liability insurance is one of the most common insurance policies.
General liability insurance does not cover:
- Losses or injuries you cause through your own negligence
- Your personal or commercial property
- Your personal vehicles or boats
- Breach of your confidential personal information
- Professional services provided to a client
- Injuries or disabilities among your own employees
- Damage or injuries you intentionally cause
Learn more about general liability insurance.
Compare general liability insurance quotes from top U.S. carriers
Businesses in the following industries need general liability insurance protection:
Compare general liability insurance quotes
Save money by comparing insurance quotes from multiple carriers.
