Get CGL Fire Legal

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

Commercial general liability policies may cover the cost of any accidental damages as a result of the business' operations or the legal costs of defending a suit. Commercial general liability does not provide protection against intentional damages, or any type of accident involving automobiles, aircraft, or watercraft.

Tip. Fire damage legal liability insurance covers businesses that rent space if a fire is due to their negligence or error. If your landlord sues, the policy pays your legal expenses and damages up to the limit. Typically, that limit is ​$50,000​ or ​$100,000​.

(ISO), commercial general liability (CGL) insurance policy begins by making it clear that the limits shown in the declarations fix the most the insurer will pay regardless of the number of insureds, claims made, or suits brought or persons or organizations making claim or bringing suits.

Commercial General Liability (CGL) is the standard commercial liability policy used to insure businesses. There are three primary coverage sections that make up a CGL policy: premises liability, products liability and completed operations.

The insuring agreement of form CP 00 40 binds the insurer to “pay those sums that the insured becomes legally obligated to pay as damages because of direct physical loss or damage, including loss of use, to covered property caused by accident and arising out of any covered cause of loss.” Covered property is defined as ...

What Is Commercial General Liability (CGL) Insurance? Commercial general liability insurance, or CGL insurance, helps protect your business from claims that it caused bodily injuries or damage to another person's property. This coverage is also known as general liability insurance or business liability insurance.