Call Us 972-234-5588 ☰ ˟
Logo
Call Us: 972-234-5588
CallCall CallText Social Social Social Social Social
  • Home
  • About Us
    • Our History
    • Our Staff
    • Our Specialities
    • Testimonials
  • Products
    • Personal Lines
    • Commercial Lines
    • Industry Solutions
  • Get a Quote
    • Auto / Motorcycle / RV
    • Homeowners Insurance Quote
    • General Liability Quote
    • Workers Compensation Quote
    • Commercial Auto Insurance Quote
    • BOP Quote Form
    • Bond Request Form
    • Builders Risk Insurance Quote
    • Professional Liability Insurance Quote
    • Cyber Insurance
  • Customer Service
    • Report a Claim
    • Changes to Your Policy
    • Request a Certificate
  • Our Companies
  • Payments/Claims
  • Insurance Tips
    • Tips Blog
    • Builders Risk FAQ
    • Glossary
  • Contact Us
    • Contact Us
    • Our Location
    • Refer a Friend
    • Join our Newsletter
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Contractors Icon

Contractors

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Is General Liability Insurance Only Made for Commercial Businesses
TUESDAY, OCTOBER 5, 2021

Is General Liability Insurance Only Made for Commercial Businesses

Liability is a complicated subject for most people. Unless you're a lawyer or you work for an insurance company, it's not always clear whose fault an accident is. You may have heard of general liability insurance. This is a vague term that broadly encompasses a variety of situations. But just what is it and to whom does it apply? See who should purchase it and how it protects your business. 

Business Coverage woman standing outside flower shop smiling at camera

General liability insurance is sometimes called commercial general liability (CGL) coverage. It's not designed for personal use. While liability policies can be part of your home, auto or renters insurance, CGL policies apply to businesses.  

So if you leave a children's toy out in the middle of your hallway and someone trips, you would file a claim under a personal policy as opposed to general liability. If someone slips on a wet floor in the business, however, you will need to turn to your CGL policy. 

What Is General Liability Made for 
CGL policies will cover against third-party bodily injury and property damage. So if you work with a vendor and they break their leg on your property, you can file under general liability coverage. It can help the injured party to cover anything from their medical bills to lost wages. Or, if one of your employees accidentally damages the vendor's car, you can use general liability to pay for the repairs or a replacement. 

General liability coverage also often covers advertising injury. This means you can defend yourself if another business claims that you violated their trademark. Or, it can also cover reputation damage, in case you make a claim against a competitor that they feel slanders their good name. 

Why Buy General Liability Insurance? 
CGL insurance is necessary for all businesses. It serves as a means of protecting both the people and property on the premises.  

However, if your employees get injured, you'll need workers' compensation. It can ensure that they get the treatment they need. Unlike workers' compensation general liability coverage isn't often required. But, few businesses can swallow the costs of a lawsuit if they're sued for negligence. 

General liability insurance comes with limits, meaning that the policy will be unable to pay past a certain point. Because lawsuits can quickly become expensive, it's important to know what the limits are and whether they fit your business needs. Talking to your agent can go a long way toward helping you understand your policy. 

Posted 11:13 AM

Tags: general liability insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(79)
  • dallas(68)
  • texas(45)
  • commercial insurance(26)
  • business owners(22)
  • commercial auto insurance(13)
  • business insurance(12)
  • contractors(12)
  • general liability insurance(10)
  • builders risk insurance(10)
  • business owners policy(9)
  • jim porter(9)
  • insurance tips(8)
  • surety bonds(7)
  • workers compensation(7)
  • bop(7)
  • workers compensation insurance(6)
  • coverage(6)
  • bonds(6)
  • business(6)
  • umbrella insurance(5)
  • fort worth(5)
  • home insurance(5)
  • homeowners(4)
  • contractors insurance(4)
  • professional liability insurance(4)
  • commercial(4)
  • policy(3)
  • directors and officers insurance(3)
  • homeowners insurance(3)
  • e and o insurance(3)
  • liability insurance(3)
  • car insurance(3)
  • workers(2)
  • liability(2)
  • auto insurance(2)
  • risk(2)
  • cyber liability insurance(2)
  • owners(2)
  • construction(2)
  • plano(2)
  • compensation(2)
  • personal insurance(2)
  • independent insurance agent(2)
  • inclement weather(2)
  • water damage(2)
  • claims(2)
  • auto(2)
  • d&o insurance(2)
  • safety features(2)

View Mobile Version

Contact Us Today!
972-234-5588

Social Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

12160 Abrams Rd, #107
Dallas, TX 75243

Local: 972.234.5588 | Toll Free: 888.246.9291 | F: 972.234.5311
© Copyright. All rights reserved. | Powered by Insurance Website Builder