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General Liability Insurance

General liability insurance, also known as commercial liability insurance or business liability insurance, is a type of insurance policy that helps protect businesses from claims that happen as a result of normal operations.

 

Business liability insurance typically provides coverage to small businesses for bodily injuries, medical payments, advertising injuries and more.

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Commercial General Liability Insurance 101

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 class action lawsuit is filed against your business, alleging advertisements constituted misleading information.

What commercial general liability insurance covers

A CGL insurance policy will usually 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. CGL coverage is one of the most important insurance products, due to the negative impact that a lawsuit can have on a business and because such liability suits happen so frequently. Standard CGL includes:

  • Where can I get a quote?
    To get a free quote from Belus Insurance, simply select the type of coverage you are looking for and fill out our simple form or call our toll free number and speak with an agent right away.
  • How fast can Belus Insurance provide me with a quote?
    We can provide you with a free quote within minutes. Give us a call or fill out our form to get started now.
  • What coverages does Belus Insurance offer?
    Belus Insurance offers home, auto, life, renters, health, business insurance and more. To see the full list of coverages offered by Belus Insurance, click here
  • What if I'm interested in multiple types of insurance?
    Then you've come to the right place. Belus Insurance specializes in helping people find the best rates and coverages. Many times we can bundle rates together to get you an even better price. Call us now to get a free quote.

Have questions? Call us now.  Otherwise, click the request a quote button below to get a free quote.

Our General Liability Insurance Carriers

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and many more...

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