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Raleigh Wills Insurance Solutions for Businesses

Commercial Liability Insurance

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees. It covers non-professional negligent acts. Understanding this coverage is an important first step in managing CGL risks. Here are just a few examples of situations in which your business could be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages:
  • While visiting your business, a customer trips on loose flooring and is injured.
  • An employee in your painting or construction business accidentally leaves water running, causing substantial damage to a customer’s home.
  • A lawsuit is filed against your business, alleging advertisements constituted misleading information.

What commercial general liability insurance covers

A CGL insurance policy will cover the costs of your legal defense and will pay on your behalf all damages if you are found liable—up to the limits of your policy.

Standard CGL includes:

Coverage A:

Bodily injury and property damage coverage provides protection against losses from the legal liability of insureds for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations. Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm.

Workers compensation and employment practices liability insurance are excluded but can be purchased as separate policies. In addition, pollution liability is excluded and can be purchased as an endorsement. Liquor liability, professional liability and other risks may also be excluded. We can help you to determine endorsements that are right for your type of business.

Personal and advertising injury liability protects an insured against liability arising out of certain offenses, such as:

  • Libel
  • Slander
  • False arrest
  • Infringing on another’s copyright
  • Malicious prosecution
  • Use of another’s advertising idea
  • Wrongful eviction, entry or invasion of privacy

Limited coverage for medical payments includes payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations. Medical payments coverage can be triggered without legal action. This provides for prompt settlement of smaller medical claims without litigation. It is included in the CGL policy.

Additional Liability Coverages to Consider

Depending on your type of business, you may want to consider additional liability coverage that is not part of commercial general liability insurance. Some key types of insurance to consider include:
  • Directors and officers liability insurance.
  • Liquor liability insurance.
  • Pollution liability Insurance.
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