Accidents Happen - General Liability InsuranceThis policy covers many of the types of losses that may result from negligence related to Premises (such as losses due to trips or falls), Products (such as losses due to distribution of defective products), and Operations (such as losses due to employee error).

The Commercial General Liability (CGL) policy provides three separate coverages:

  • Coverage A: Bodily Injury and Property Damage Liability — Provides the insured with the promise to pay damages on behalf of the insured and to defend the insured against claims and suits resulting from any covered peril that causes bodily injury or property damage.
  • Coverage B: Personal and Advertising Injury Liability — Provides the insured with the promise to pay damages on behalf of the insured and to defend the insured against claims and suits resulting from any covered peril that causes personal injury or advertising injury.
  • Coverage C: Medical Payments — Provides payment of medical claims that are brought against the insured, including minimal payment of settlements to bring quick closure to a claim without the necessity of proving negligence on the part of the insured.

When discussing coverage, it is very important that we understand your business and how you operate. You will want to be very forthright about programs and activities that you offer to be sure that you are covered for any losses that may occur.