Commercial General Liability Coverage

A Commercial General Liability policy provides insurance protection to pay for bodily injury or property damages when the insured is legally responsible.

• The policy provides coverage for liability arising from personal injury and advertising injury.
• Coverage for medical expense is also provided. This pays medical expenses resulting from bodily injury caused by an accident on premises owned or rented by the insured party, or locations next to such property, or when caused by the insured’s operations.
• The policy also covers accidents occurring on the premises or away from the premises.
• Liability coverage is provided for injury or damages arising out of goods or products made or sold by the insured.
• In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
• There are two commercial general liability coverage forms, the occurrence form and the claims-made form. The difference between them lies in the way claims are handled under the two forms. While the occurrence form covers bodily injury or property damage claims that occur during the policy term, the claims-made policy form only covers claims made against the insured during the policy term.
• The fire damage limit provides liability coverage for fire damage caused by negligence on the part of the insured to rented premises. If a fire occurs because of negligence and damages property not rented to the insured, coverage is provided under the occurrence limit.
• Coverage is also provided for injury resulting from offenses such as false arrest, malicious prosecution, detention or imprisonment, acts of invasion, or rights of private occupancy of a room.
• Liability coverage for libel and slander is also provided in the policy. This coverage pays for damages done in the course of oral or written advertisement that disparages, libels or slanders a person’s or organization’s goods, products or services.