Commercial General Liability Insurance

What You Should Know About Protecting Your Business

with Commercial General Liability Insurance

Commercial General Liability Insurance (CGL) is often referred to as the "first line" of protection for commercial businesses. Why? CGL covers some of the most common risks that a business can face including: 

• Bodily Injury & Property Damage on the premises, operations, products, and completed operations
• Advertising Liability and Personal Injury Liability

​What do these things actually cover?
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Bodily Injury & Property Damage
Imagine you own an ice cream shop and a young customer comes in, buys a cone, drops it, and proceeds to slip and fall on the mess. The young customer breaks their wrist in the process and since it happened in your shop, your business could be liable for the injury. Instead of pulling funds out of the cash register for the kid's medical bills, your CGL policy could cover you under bodily injury & property damage. 

Advertising and Personal Injury Liability
​You're still the owner of the ice cream shop and you decide to run a TV ad that unintentionally implies that your competitor's ice cream shop uses dairy from unhealthy cows to make their ice cream. Your competitor loses business and they sue for the personal damages that your ad caused them. Instead of settling the suit with your own money, you could be covered under Advertising and Personal Injury Liability. 

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​If you are starting a business, or you're not sure if you currently have adequate coverage, call our office to discuss our many options for CGL .  
​Our team here at TWFG Insurance Services in Fremont works with dozens of carriers including, Travelers, Nationwide, Mercury, MetLife, Liberty Mutual and more so that we can find you the best insurance to protect your business.  We'll help you sort through all of the options and we're committed to helping you understand each part of your policy so that you can get the right policy at the right price, because Our Policy is Caring. 

Get in touch with us today!
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Call us: 
510-573-4745

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