What does general liability insurance cover? What is CGL?

What does general liability insurance cover? What is CGL?

• A. Bodily injury and property damage
• B. Auto liability
• C. Workers' compensation
• D. Employee benefits

Answer: (A)

General liability coverage, often called Commercial General Liability (CGL), protects you against claims made by third parties for injuries or property damage resulting from your business operations, your premises, or your products or completed work. In plain terms, it covers situations like a visitor slipping on a wet floor at a job site or a product you supplied that damages someone’s property. It does not cover auto liability (that’s handled by auto insurance), nor does it cover workers’ compensation (which is for employee injuries), nor employee benefits. CGL is the standard policy form used to provide this general liability protection, hence the focus on bodily injury and property damage to others.

General liability coverage, often called Commercial General Liability (CGL), protects you against claims made by third parties for injuries or property damage resulting from your business operations, your premises, or your products or completed work. In plain terms, it covers situations like a visitor slipping on a wet floor at a job site or a product you supplied that damages someone’s property. It does not cover auto liability (that’s handled by auto insurance), nor does it cover workers’ compensation (which is for employee injuries), nor employee benefits. CGL is the standard policy form used to provide this general liability protection, hence the focus on bodily injury and property damage to others.