Commercial Liability Insurance can help protect your small business from unfortunate financial loss arising from injury or damage to the rights and property of others. Commercial General Liability coverage is one component of the standard package of insurance protections required by many businesses as part of their operations.
Commercial General Liability (CGL) policies provide broad protection against the risk that someone who comes onto your business premises or contacts you over the telephone, email, or via social media may suffer bodily harm or property damage as a result of products sold, services rendered, operations performed by your employees and agents and conditions on your premises under your control. This includes providing coverage that pays for the defense of covered claims.
Grand Trust Underwriters Commercial General Liability Coverage is a form of liability insurance that can cover claims made against your business due to bodily injury, property damage, and personal and advertising injury.
Protecting Your Employees: Commercial General Liability coverage may protect you from such claims as those arising from employment-related practices (such as sexual harassment or discrimination) and injuries suffered by customers on your premises due to an attack by an animal kept at the location. Workers’ compensation insurance generally does not cover injuries to your employees; it covers only work-related accidents, including job-related illnesses. It will not cover off-duty injuries or injuries suffered during commuting to and from work. That’s another reason employers purchase commercial general liability policies.
commercial general liability insurance can help protect your business from unfortunate financial loss arising from injury or damage to the rights and property of others. By understanding the types of covered claims, you can make an informed decision about whether Commercial General Liability is the right insurance for your business.