Commercial General Liability

For example, a client may fall and injure themselves on a wet floor in your office and look to hold you or your business responsible (they have experienced a bodily injury as a result of your premises). That’s why CGL is so commonly referred to as “slip and fall” insurance.

CGL coverage is recommended for professionals who own or operate a business.

This coverage is also recommended for independent professionals who contract out their services or bill under their business name. As an example, if you are an independent contractor and accidentally cause damage to the property in which you are working, the property owner may look to hold you responsible for compensating them for the costs of repairs. Your CGL policy would respond under these circumstances.