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