GL Insurance Policy

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General Liability – GL Insurance Policy

A GL Insurance Policy (CGL) will protect your business and your assets with low cost high value.

General Liability owners policy commercial business insurance Call toll free 888-283-4749.

Our commercial liability insurance brokers will work hard to find the best policy for your needs. We will compare some of the country’s top commercial insurance companies, get prices for a GL insurance policy and report back to you.

As an business, your company needs protection against financial loss from mishaps that can happen during the course of daily business operations. With the appropriate general liability coverage your insurance company can help protect your business in the event of litigation resulting from accidents, injuries, and property damage to third parties.

Because we know that unwanted events can occur any time to companies of all sizes and industries, we can work with you to offer comprehensive commercial liability insurance against traditional and more complex exposures.

Simply input some basic information below and put us to work for you.

This is typically what our business GL Insurance Policy offers.

GL Insurance Policy – What is not covered?
Your property
Vehicles and boats
Personal identifiable information
Professional services
Employee injury / workers’ compensation
Intent to injure
Coverage outside policy period
Known claims prior to start of policy

GL Insurance Policy – What is covered?
Alleged or actual negligence
Damage to third party property
Personal injury
Advertising injury
Electronic data liability
Medical expenses
Worldwide insurance coverage
Defense costs
Actions of your full-time employees and temporary staff
Supplemental payments

Your small business general liability insurance policy covers claims of:

Bodily injury

If you’re legally liable, your general liability insurance covers claims by third parties for bodily injury. For example, your client slips and falls in your office (or you cause an accident at a client’s premises). If they sustain an injury, and you’re liable, we’ll cover the subsequent bodily injury claim.

Damage to third party property

Your small business general liability insurance covers the costs of damage to a third-party’s property caused by you or your employee and for which you are legally liable.

Personal injury

Your general liability insurance coverage protects you against claims of libel or slander for which you are legally liable.

Advertising injury
Your policy protects you against the unintentional use of a third party’s advertising idea if it is used as part of your advertising. We’ll also protect you if your advertisement or marketing materials infringe a third party’s copyright or trade slogan.

Electronic data liability

Added for consultants and technology service providers;- if an employee damages a client’s property (e.g., a server) and the client’s electronic data is damaged, you policy will cover any damages up to your limits of insurance for which you are legally liable.

Medical expenses

If an accident occurs and someone other than your employee is injured, your business general liability insurance policy also covers any associated medical expenses for each injured person, typically up to $5,000.

Defense costs

If you are sued, you insurer will appoint a lawyer, if necessary, even if the lawsuit is groundless. they will pay these costs on your behalf and they will not reduce your limit of liability.

Actions of your full-time employees and temporary staff

Your GL insurance policy provides general liability insurance coverage for business-related actions of your full-time employees and temporary staff.

Supplemental payments

If available covers the following expenses if incurred:
•Legal defense costs.
•Up to $250 a day for loss of earnings and reasonable expenses you may incur as a result of assisting us in the investigation of the claim against you.
•Interest on damage awards.

Learn more about the GL insurance policy underwriting, claims management, managed care and risk control capabilities available for our insurance clients including large accounts, mid-size companies, captives, and group clients.

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