General Casualty
General casualty insurance, commonly known as Commercial General Liability (CGL), is fundamental coverage that protects businesses from liability claims arising from bodily injury, property damage, and personal injury to third parties during normal business operations.
Who Needs This Coverage
- Virtually all commercial businesses
- Retail stores and service providers
- Manufacturers and distributors
- Office-based businesses
- Any business interacting with customers or the public
What's Covered
- Third-party bodily injury liability
- Third-party property damage liability
- Personal and advertising injury
- Medical payments coverage
- Products and completed operations
- Premises liability coverage
Frequently Asked Questions
What is general liability insurance and why do I need it?
General liability insurance protects your business from claims of bodily injury, property damage, and personal injury caused to third parties. Most landlords, clients, and contracts require it, and it covers legal defense costs if you're sued.
How much general liability coverage do I need?
Most small businesses need at least $1 million per occurrence and $2 million aggregate coverage. However, requirements vary based on your industry, contracts, and risk exposure. Some industries require higher limits.
Does general liability cover employee injuries?
No, general liability only covers third-party injuries (customers, visitors, vendors). Employee injuries are covered by workers' compensation insurance, which is a separate required coverage in most states.