Shield Insurance Agency Blog | General Liability Insurance | Email to start a Quote! | Or click here

General Liability Insurance, also known as Commercial General Liability (CGL), is a type of insurance that provides protection to businesses against claims of bodily injury, property damage, and personal injury. It is a crucial component of any business insurance policy, as it provides coverage for a wide range of risks that businesses face on a daily basis.

What is general liability business insurance?

General liability business insurance is a type of insurance that provides coverage for a variety of risks that businesses face. It is designed to protect businesses from claims of bodily injury, property damage, and personal injury that may arise from their operations. This type of insurance is essential for businesses of all sizes, as it provides protection against a wide range of risks that can result in costly lawsuits and legal fees.

What does commercial general liability insurance cover?

Commercial general liability insurance covers a wide range of risks that businesses face on a daily basis. Some of the most common risks that are covered by this type of insurance include:

Bodily injury: This type of coverage provides protection against claims of bodily injury that may arise from accidents that occur on your business premises or as a result of your business operations.
Property damage: This type of coverage provides protection against claims of property damage that may arise from accidents that occur on your business premises or as a result of your business operations.
Personal injury: This type of coverage provides protection against claims of personal injury, such as libel, slander, or defamation, that may arise from your business operations.
Advertising injury: This type of coverage provides protection against claims of advertising injury, such as copyright infringement or false advertising, that may arise from your business operations.

How does general liability insurance coverage work?

General liability insurance coverage works by providing protection to businesses against claims of bodily injury, property damage, and personal injury. If a claim is made against your business, your insurance company will investigate the claim and provide legal representation if necessary. If the claim is found to be valid, your insurance company will pay for any damages that are awarded to the claimant, up to the limits of your policy.

What are examples of what is covered by commercial general liability insurance?

Commercial general liability insurance covers a wide range of risks that businesses face on a daily basis. Some examples of what is covered by this type of insurance include:

Slip and fall accidents: If a customer slips and falls on your business premises, your general liability insurance will provide coverage for any injuries that they may sustain.
Property damage: If your business operations cause damage to someone else’s property, your general liability insurance will provide coverage for any damages that are awarded to the property owner.
Product liability: If your business sells a product that causes injury or damage to a customer, your general liability insurance will provide coverage for any damages that are awarded to the customer.
Libel and slander: If your business is accused of libel or slander, your general liability insurance will provide coverage for any damages that are awarded to the claimant.

What type of companies need general liability insurance?

All types of companies, regardless of size or industry, need general liability insurance. This type of insurance provides protection against a wide range of risks that businesses face on a daily basis, and can help to protect your business from costly lawsuits and legal fees. Some examples of businesses that need general liability insurance include:

Retail stores
Restaurants
Contractors
Manufacturers
Service providers

Affordable Protection with Shield Insurance Agency

At Shield Insurance Agency, we understand the importance of protecting your business from the risks that it faces on a daily basis. That’s why we offer affordable general liability insurance coverage that provides protection against a wide range of risks. As an independent insurance agency, we represent over 40 insurance companies, which allows us to find the best coverage at the best price for your business.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon. We are committed to providing our clients with the protection and peace of mind that they need to run their businesses with confidence.