Risk is unavoidable—but financial loss doesn’t have to be. From customer injuries and property damage to legal claims and operational liabilities, even the most well-run companies face unexpected exposures that can threaten their stability.
Protects your business if a third party (such as a customer, vendor, or visitor) is injured on your premises or due to your operations. This covers medical expenses, legal fees, and potential settlements or judgments resulting from lawsuits.
Covers damage your business may cause to someone else’s property. Whether it’s a contractor accidentally damaging a client’s building or a retail store breaking a customer’s personal belongings, this protection ensures that repair or replacement costs don’t fall on your business.
Protects against non-physical injuries such as libel, slander, false advertising, or copyright infringement. If your business is accused of harming a competitor’s reputation or using unauthorized content in marketing, this coverage helps with legal expenses and settlements.
Covers claims arising from products your business sells or work you’ve completed. If a product you manufacture or distribute causes harm, or if your service leads to property damage after completion (e.g., a contractor’s faulty work resulting in structural damage)
Provides immediate coverage for minor injuries sustained by third parties on your business premises, regardless of fault. This can help avoid costly lawsuits by covering emergency medical treatment, ambulance fees, and doctor visits for affected individuals.
Essential for businesses that lease office, retail, or industrial space, this protects against accidental damage to a rented property caused by your operations, such as fire, water damage, or structural harm.
Commercial General Liability (CGL) insurance safeguards your business from financial losses due to third-party claims—whether it’s a lawsuit for bodily injury, property damage, or reputational harm. When legal action threatens your operations, CGL coverage provides the defense, settlements, and financial support needed to keep your business secure and thriving.
A customer walks into a high-end boutique and slips on a freshly mopped floor that was not properly marked with a warning sign. They suffer a fractured wrist and file a lawsuit against the store, seeking compensation for medical bills, lost wages, and pain and suffering. CGL covers legal defense costs, medical expenses, and potential settlement or court-awarded damages, protecting the retailer from significant financial loss.
A general contractor is installing custom cabinetry in a luxury home when an employee accidentally knocks over a high-end light fixture, causing thousands of dollars in damages. The homeowner demands compensation for repairs. CGL covers the cost of repairing or replacing the damaged property, preventing out-of-pocket expenses that could impact the contractor’s bottom line.
A marketing firm launches an ad campaign for a client, inadvertently using a slogan similar to a competitor’s trademarked tagline. The competitor files a lawsuit for copyright infringement and reputational harm. CGL covers legal defense costs, settlements, or judgments related to advertising and personal injury claims, ensuring the agency can continue operating without financial strain.
*The information provided on this page is for information purposes only and should not be taken as insurance advice. For actual insurance advice, please fill out one of our forms, or call Ferrari & Associates at 1-888-467-8989
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