4 Ways Commercial General Liability Insurance Protects Your Business

Commercial General Liability Insurance

No one enjoys talking about the possibility of their company getting sued. Unfortunately, this is a potential risk you and your business must take into consideration when planning for unforeseen events.

If someone is injured at your business, whether it’s a customer or a non-employee working on-site, you’ll want your business to be covered and prepared to handle the expense of the injury or lawsuit that could result.

That’s where a product like Commercial General Liability Insurance comes in. Why do you need this insurance? Because it protects your business from lawsuits and litigation expenses that may arise from incidents on your premises or from your operations.

Let’s review the different types of Commercial General Liability Insurance coverage so you know your options for protecting your business.


Bodily Injury and Property Damage Liability

If anyone or anything associated with your company causes physical injury to another individual, such as a client, you are responsible for their injury compensation.  Bodily Injury and Property Damage Liability will cover that compensation amount (if within your policy limits).

Personal Injury Liability

This coverage protects you in the instance you are accused of libel or slander, such as saying something that damages another individual’s reputation or character, resulting in them suing you.

Medical Payments

If a visitor is injured on your premises, this coverage pays for their reasonable medical expenses.

Damage to Premises Rented to You

Commercial General Liability Insurance provides coverage for damage to the premises (not the contents of the premises) if you are legally obligated to pay for the property damage. This only applies if the damage is caused by fire.


General Liability coverage can fulfill insurance requirements for several contracts, such as finance, leasing and subcontractor agreements. There are many reasons to consider purchasing Commercial General Liability Insurance to protect your business. Give us a call and let’s talk about how we can help protect your business from the unexpected.


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