Commercial General Liability (CGL) policy is extremely broad in nature. It insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises, and ventures. These policies can be offered on either an occurrence or a claims-made basis, as a single policy or combined with one or more other lines of insurance to form a commercial package policy. The basic exposures covered by the CGL policy may include:
- Ownership, maintenance, or use of the premises
- Operations conducted or performed on or off the premises
- Written contracts and agreements
- Products manufactured, sold, or distributed
- Completed operations
- Personal injury
- Advertising injury
- Medical payments on the premises or at job sites, without regard to fault
Some areas of exposure that are never covered by the CGL policy would include:
- Professional or Malpractice Insurance
- Employment Practices Liability
- Directors and Officers Coverage
- Workers Compensation Coverage
Each of these coverages is subject to certain policy definitions, exclusions, and limitations.
These are complicated and complex issues that should be discussed in person. We are available to discuss these issues with you directly at 610-933-4950.
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