Commercial General Liability

Commercial General Liability (CGL) insurance remains the bedrock of commercial risk management for small and low mid-market businesses across every industry. This coverage provides essential protection against third-party claims of bodily injury, property damage, and personal or advertising injury—risks that can arise from daily operations, products, or completed work. Whether it's a customer slipping on a wet floor, a contractor damaging a client’s property, or a marketing misstep leading to a defamation claim, CGL insurance helps cover legal defense costs, settlements, and judgments. It’s often the first policy a business buys and the first line of defense when something goes wrong.

For brokers, offering and structuring CGL coverage properly is foundational to client relationships—but it’s also a place where complacency can lead to gaps. Many small and mid-sized businesses underestimate how quickly legal costs can escalate, or assume their exposure is minimal if they’re not customer-facing. But liability doesn’t care about business size—it only takes one incident to trigger a claim that could jeopardize a company’s financial stability. By staying proactive on coverage limits, endorsements, and exclusions, you help clients build reliable protection that scales with their growth.