Commercial General Liability

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. Wieben Insurance Services can provide you with a Commercial General Liability (CGL) insurance policy that can be the first line of defense against many common claims.

The typical General Liability coverage form contains the following component coverages:

• Premises And Operations - Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising from the premises or operations of the insured. 
• Products And Completed Operations - Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising out of the sale of a defective product (products liability) or out of a completed operation (ex: construction of a building). Products And Completed Operations Coverage can only be triggered after the final sale of a product or construction job. 
• Personal / Advertising Injury - Protects against certain lawsuits arising from personal injury (ex: slander, libel, false imprisonment) or advertising injury (ex: disparagement of a competitor’s product or service). 
• Damage To Premises Of Others - Protects against certain covered lawsuits when the insured damages the premises of a landlord. 
• Medical Expense Payments - Protects against certain covered lawsuits arising from guest injuries (ex: slip and fall) while on your premises. 

Every business benefits from adequate Commercial General Liability coverage. CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client's site.

Commercial General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another's property, reputation or health, your business can keep its assets if it is adequately insured.

In addition to covering the claims listed above, Commercial General Liability policies also cover the cost to defend or settle claims - even if the claims are fraudulent

Give us a call for a free consultation and review of your policies