Commercial General Liability

Commercial General Liability

Commercial General Liability Coverage

Running a business comes with everyday risks—and protecting against them is essential. At John H. Connors Insurance, our Commercial General Liability (CGL) Insurance provides foundational protection for businesses of all sizes. This coverage shields your company from financial loss if you’re held responsible for third-party bodily injuries, property damage, or personal and advertising injuries caused by your business operations, products, or services. Whether you own a retail store, a contracting business, or an office-based practice, CGL ensures you're covered when the unexpected happens.

GET A QUOTE

General Commercial Liability

No matter your industry, accidents can happen. Commercial General Liability (CGL) Insurance protects your business from some of the most common and costly risks—like third-party bodily injury, property damage, and personal or advertising injury. Whether a customer slips and falls on your premises or your team accidentally damages client property, CGL coverage helps you avoid devastating financial setbacks while preserving your business’s reputation.

Service-Based Liability Protection

While CGL focuses on physical and advertising-related risks, it’s essential to recognize its limitations. Service-related errors—such as giving faulty advice or missing a critical project detail—typically fall outside its scope. In these cases, a Professional Liability (E&O) policy can work alongside your general liability plan to fully protect your business from claims tied to professional services and performance.

Product-Related Liability Coverage

If your business manufactures, distributes, or sells physical goods, Commercial General Liability Insurance often includes essential protection against product-related claims. From design flaws to manufacturing defects or inadequate warnings, CGL coverage steps in when a product causes injury or damage. It’s a vital safeguard for businesses whose goods reach the hands of consumers and clients every day.

What Does Commercial General Liability Insurance Cover?

Commercial General Liability (CGL) Insurance offers broad protection against a variety of third-party claims that can arise from the everyday operations of your business. This coverage typically includes:

  • What is Commercial General Liability Insurance?

    Commercial General Liability (CGL) Insurance is a foundational business policy that protects your company from financial loss due to third-party claims involving bodily injury, property damage, or personal and advertising injury resulting from your business operations, services, or products.

  • What types of incidents are covered under bodily injury claims?

    General liability covers physical risks like injuries or property damage, while professional liability focuses on risks related to services, advice, or errors in your work.

  • How does CGL handle property damage claims?

    If your business activities accidentally damage someone else’s property—such as a contractor breaking a client’s window during a job—CGL helps pay for repairs or replacement, along with legal defense if the incident results in a lawsuit.

Protect Your Business with Confidence

At John H. Connors Insurance, we help businesses stay protected against the everyday risks that come with running a company. Our Commercial General Liability Insurance gives you the peace of mind to focus on growth, knowing you're covered against accidents, injuries, and unforeseen legal claims. Let us help you tailor the right protection for your unique business needs—so you can operate with confidence and resilience.