General Liability — Insurance Claims Definition
Commercial insurance covering third party bodily injury, property damage, and personal and advertising injury arising from business operations.
Commercial General Liability (CGL) is the backbone of business insurance. Coverage A is bodily injury and property damage; Coverage B is personal and advertising injury; Coverage C is medical payments to others. It is usually written on an occurrence form with defense outside limits in many policies.
Exclusions include expected or intended injury, professional services, pollution, and employee injury (workers comp).
Examples
A customer is injured by a falling display in a retail store; CGL pays defense and settlement for premises liability.
Common Mistakes
Assuming GL covers professional mistakes — need E&O. Thinking subcontractor claims are automatically covered without additional insured status.
