Commercial General Liability Insurance Explained

August 4, 2022

If you own a small business, there’s a fair chance that you are going to need some additional types of coverage to protect your assets. General liability insurance coverage for small business can protect you and your business in the case of injury or damage caused by your business’s practices, or on the premises. Not having the proper coverage when an accident occurs could result in you paying for damages out of pocket, so stick around and let the insurance experts of HH Insurance explain the ins and outs of general liability insurance coverage for small business.

What CGL Insurance Covers

At its simplest, your CGL insurance policy covers the costs of your legal defense and the cost of damages up to the limits of your policy if you’re found liable. Let’s discuss some of the different kinds of claims your general liability insurance coverage for small business actually covers.

  • Bodily Injury And Property Damage Liability – This level of your coverage protects you against losses from the legal liability of insureds for the cause of bodily injury or property damage to others arising from non-professional or negligent acts. Here, your business is covered if a third party is injured or their property is damaged as a result of your business operations or something a crew member does while on the job.
  • Personal And Advertising Injury – Coverage for libel, slander, false arrest, infringing on another’s copyright, wrongful eviction, entry or invasion of privacy, and more. Say you put out your first big advertisement, and you use a song that you don’t have the rights to, you’re probably fine if you have general liability insurance coverage for small business, but if not, you could have to pay the copyright owner out of pocket.
  • Medical Payments – This portion of your policy covers the medical expenses from injuries sustained by non-employees, caused by an accident on the insured’s premises, or related to the insured’s business operations. Any expenses that appear related to the injury of a customer are covered by this section of your CGL insurance policy, and can even be triggered without legal action to promote prompt settlement of smaller claims.

HH Insurance | Commercial General Liability Insurance Explained

Your business is your livelihood, and it’s up to you to protect it. A general liability insurance for small business policy is a great place to start and can protect your business and your livelihood whenever a claim is made. Although CGL insurance is basic coverage, at HH Insurance we go beyond the cookie-cutter approach to offer you the coverage specific to your needs. As your trusted insurance experts, we can also help with insuring other parts of your life by offering our most affordable homeowners insurance rates and much more on our website.


**This blog provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverage. These definitions do not alter or modify the terms of any insurance contract.