Commercial general liability insurance – Free Quote and buy online – click here

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, is a broad type of insurance policy that provides liability insurance for general business risks.

General liability insurance quotes usually include:
• Bodily injury and property damage liability damage coverage provides protection against losses from the legal liability of insureds for bodily injury, Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm, property damage to others arising out of non-professional negligent acts

• Personal and advertising injury, Personal and advertising injury liability protects an insured against liability arising out of certain offenses, such as Libel, Slander, False arrest, Infringing on anther’s copyright, Malicious prosecution, Use of another advertising idea, Wrongful eviction, entry or invasion of privacy

• Medical payments Limited coverage for medical payments include payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations. Medical payments coverage can be triggered without legal action. This provides for prompt settlement of smaller medical claims without litigation

• Products completed operations

Factors to consider when buying commercial general liability insurance

You can purchase commercial general liability insurance as a stand-alone policy, as part of a Business Owners Policy (BOP), or as part of a Commercial Package Policy (CPP). Consult with your insurance professional about what type of coverage you need and how much.
If your general liability policy, BOP, or CPP does not provide sufficient coverage, you may want to consider purchasing a commercial excess (umbrella) policy, which will provide additional protection. key types of insurance to consider include:

Directors and Officers liability
Directors and officers liability insurance protect past, present, and future directors and officers of for-profit or nonprofit companies from damages resulting from alleged or actual wrongful acts they may have committed in their positions.

Liquor liability
Liquor liability insurance is business coverage that protects your business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring himself or others. If your business manufactures, sells, serves, or facilitates the use or purchase of alcohol, then your business will likely need this coverage.

Pollution liability
This type of coverage provides industrial, commercial, and agricultural property owners, managers, and developers with a broad range of pollution liability protection for gradual, as well as sudden and accidental, first-party and third-party environmental liabilities. It also protects assets from unforeseen environmental exposures that could have a substantial impact on earnings.

Conclusion
Commercial general liability insurance helps pay for medical expenses and legal costs if an incident at your business leads to a lawsuit. You can compare rates in these states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, and Wyoming