Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses. This type of a policy can protect you from common losses such as property damage, business interruption, theft, and liability. CGL coverage is comprehensive in nature. The right coverage can make the difference between recovering from a loss, or going out of business.
A CGL policy is made up of three primary coverage sections: premises liability, products liability, and completed operations. Premises liability covers liability for accidental injury or property damage that results from either a condition on your premises or your operations in progress, whether on or away from your premises. A products liability hazard exists for any business that manufactures, sells, handles, or distributes goods or products. The hazard being the potential liability for bodily injury or property damage that arises out of your goods or products. Completed operations covers your potential liability for bodily injury or property damage that arises out of your completed work.
Grand Mutual Insurance is a leading industry provider for CGL through top admitted and non-admitted insurance carriers.