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

Get your quote now

To receive your premium quotation, please click below for application.

Get a quote now