Commercial General Liability Insurance

Commercial general liability (CGL) insurance is a foundational policy for protecting businesses against a broad spectrum of liability risks, covering third-party allegations of bodily injury, property damage, and advertising injury. It is designed to safeguard companies from the substantial financial burden that lawsuits or claims can impose.^1^3

What is Commercial General Liability Insurance?

Commercial general liability insurance is a comprehensive policy intended for businesses of all sizes. It offers protection against legal and financial liabilities that arise out of everyday business operations—whether due to customer injuries on company premises, accidental property damage caused by employees, or allegations of libel in advertisements.^2^1

Key Coverages

• Bodily Injury and Property Damage: Protects against claims of physical injury or property damage resulting from business activities or premises.^3

• Personal and Advertising Injury: Covers against claims like libel, slander, defamation, or copyright infringement related to business advertising.^2

• Products and Completed Operations: Offers coverage for injury or damage that results from products sold or completed business operations, crucial for manufacturers, retailers, and contractors.^1

• Medical Payments: Pays for medical expenses resulting from accidents that occur on business premises, regardless of who is at fault.^3

Common Exclusions

CGL policies do not cover everything. Typical exclusions include intentional acts, contractual liability, workers compensation, employer’s liability, pollution liability, automobile liability, liquor liability, and property in the insured’s care. Businesses should consider endorsements or separate policies for these risks.^1^3

Policy Limits and Aggregates

Every CGL policy has specific limits: per-occurrence (the maximum paid for a single event) and aggregate (the maximum for all claims in a policy period). Choosing appropriate limits is essential to match the actual risk facing a business.^4^1

Why is CGL Insurance Important?

Without proper liability coverage, companies are exposed to lawsuit risk, settlements, and defense costs, which can seriously threaten financial stability. Since liability lawsuits are relatively common across business sectors, CGL insurance is regarded as a critical risk management tool.^2

How to Choose the Right Policy

• Assess Risks: Evaluate how customer interactions, business location, and type of work influence risk level.^4

• Compare Policy Features: Look for coverage limits, deductibles, and specific exclusions relevant to the business.^4

• Consult Professionals: Seek advice from experienced insurance brokers to ensure that coverage fits the business’s unique circumstances and risk profile.^4

The Role of Commercial Umbrella Policies

Umbrella policies provide additional liability coverage above and beyond CGL limits, helping protect businesses against exceptionally large claims or lawsuits.^1

Why Choose Pacific Insurance

Pacific Insurance offers comprehensive and customizable coverage, serving businesses from sole proprietors to large enterprises. Their CGL policies cover bodily injury, property damage, and advertising issues, with responsive claims handling, clear terms, and additional options like business owners and commercial auto policies—all tailored for seamless protection and business continuity. Many clients note Pacific Insurance’s hassle-free claims process, competitive rates, and attentive service, making it a wise choice for those seeking reliable business security.^5

When securing vital protection for business operations, partnering with Pacific Insurance ensures dedicated support, flexible coverage, and peace of mind so businesses can focus on growth and success.^6

Call Pacific Insurance today: (801) 561-5550

Website: https://pacificinsuranceinc.com/