Typical Coverages

Commercial General Liability Policies protects you from liability arising from your company’s products, work, employees, or anything associated with your company:

• Bodily Injury
• Property Damage or loss
• Personal Injury (includes slander)
• Medical Expenses
• Tenants Legal Liability (applies to damages to premises you rent for your business, but not the property contained within)
• Employer’s Liability

Typical Exclusions

What is normally excluded from a Commercial General Liability policy?

Some policies will cover these exclusions if arranged in advance. For example, an environmental consulting company may need pollution coverage.

• Intentional injury or property damage
• Compensatory Damages agreed to in a contract such as a “hold Harmless” contract
• Obligations under Workman’s Compensation, Employment Insurance or other similar government coverage
• Bodily injury during course of employment (as long as it falls within boundaries of Worker’s Compensation)
• Property Damage due to a motorized vehicle accident
• Property Damage to your product
• Abuse and Harassment (Covered under Employment Practices Liability)
• Pollution
• War
• Nuclear Energy
• Use of Explosives or Pile Driving activity
• Professional Liability / Errors & Omissions
• Fungi
• Data
• Terrorism
• Asbestos