Commercial General Liability Insurance | JGS Insurance 

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Commercial general liability insurance, also known as CGL, is a type of business insurance that covers the business against financial losses due to lawsuits and other legal claims. It will cover damages, bodily injury, property damage, and personal injury. The coverage also includes defense costs in case an employee or agent causes damage while on duty.

What Does Commercial General Liability Insurance Include?

There are different types of coverage that may be included in a commercial general liability policy. These include:

  • Bodily injury coverage for the employees of your company or those who are on your premises when they are injured by your company’s operations or products
  • Property damage coverage for any damage to other people’s property caused by your company’s operations or products
  • Personal injury coverage for any injuries to people who are not employees of the company but who were on premises owned by the company when they were injured by its operations or products
  • Personal and advertising injury which helps in covering legal expenses for lawsuits against the company or its employees regarding advertising

It is important to understand the different types of coverage that are available for your company. Some of them include commercial general liability, errors and omissions, workers’ compensation, property damage, directors & officers insurance, and umbrella coverage.


When Is the Right Time to Buy a Commercial General Liability Policy?

The answer to that question is different for every business. The time you should buy commercial general liability insurance depends on your business, its industry, and the risk it faces.

The right time to buy commercial general liability insurance may be when your business is growing and has a lot of assets to protect. When you are planning on expanding your business into a new industry, or when you are planning on opening a new location, buying commercial general liability insurance may be the best option for you.

When not to buy commercial general liability insurance is when your company has low-risk exposure and does not have any assets to protect.

Commercial General Liable Policies for Startups and Businesses

A commercial general liability policy is a type of insurance policy that protects a business from liability claims and lawsuits. In other words, it provides coverage for damages to property and the personal injury of others.

A company’s commercial general liability policy is an important tool to protect the company’s business interests. It covers legal defense costs, bodily injury, property damage, and more. A company should consider purchasing a commercial general liability policy as soon as they start their business or plan to expand their operations in order to protect themselves from unforeseen risks.

What Is The Difference Between A General Liability Policy And A Professional Liability Policy?

A general liability policy is a form of insurance that covers the company from legal risks. Professional liability policies are more specific and cover the individual from professional risks.

Professional liability policies are more specific and cover the individual from professional risks. They usually include things like malpractice coverage, errors and omissions coverage, cyber liability, libel and slander coverage, defamation of character coverage, personal lines of insurance and umbrella insurance.

How Can My Business Find The Right Insurance Policy For Our Needs?

Small-to-medium businesses are in need of insurance coverage for a variety of reasons. There are many different types of insurance policies that small-to-medium businesses can choose from. These policies can be tailored to fit their needs and can provide them with the coverage they need to grow.

One way small-to-medium businesses can find the right insurance policy for their needs is by going through an agency or broker. They will be able to help them find the best policy that fits their business profile and needs.

At JGS we can help you by discussing your insurance policy needs and finding the best insurance coverage that best fits your business. We have a staff of experts who will be happy to answer any questions you may have.

What Other Insurance Policies Are Essential For Small-To-Medium Businesses?

Some small-to-medium businesses should consider purchasing a business interruption insurance policy. This type of insurance covers the business during certain events such as natural disasters and other events that may affect the company’s operations.

There are also some types of insurance policies that small-to-medium businesses can purchase to protect against lawsuits, like a product liability policy or a professional liability policy. These policies cover legal costs and damages if the company is found liable for damage caused by their products or services.

Different policies that you can purchase for your company include:

  • Business Property
  • Directors & Officers
  • Errors & Omissions
  • Cyber
  • Employment Practices Liability
  • Fiduciary Liability
  • Crime


General liability insurance is not required by law in the US. However, some states have laws that require general liability insurance for certain professions. Commercial general liability insurance is not required in all states, so it is important to check your state’s requirements before purchasing one.

It protects against any sort of legal responsibility or lawsuits that may arise from your business operation. It also provides protection against damages or injuries to others, their property, as well as the company’s assets. The main goal of commercial general liability insurance is to protect the company’s assets and keep it in business should something go wrong.

The amount of commercial general liability coverage you need depends on three factors: the size of your company, the type of business it is, and whether or not it has any assets. The amount of coverage you need will depend on the type of business you operate. If you’re a service-based business, for example, you will likely want to purchase more liability insurance than if you’re a manufacturing company.

The cost for commercial general liability insurance depends on the type of policy that you purchase. The cost also depends on what state you are in and what your company’s risk profile is. If you are looking for commercial general liability insurance, then the best way to find out how much you will need to pay for the policy is by talking with your insurance agent. They can help you find the right policy for your business and give you a clearer idea on what it will cost.

General liability claims are those that arise from an event or occurrence that is not covered by a specific policy. Some of the common general liability claims include slip and fall injuries, medical malpractice lawsuits, product defects, and more.

A general liability claim is a type of lawsuit that alleges an injury caused by the actions, products, or neglect of another party. General liability claims can be filed against any business that has some form of exposure to the public. The most common way to mitigate the risk of a general liability claim is to have a comprehensive insurance policy in place, which includes coverage for all types of incidents and accidents.

Small to medium businesses can get a range of policies that are suitable for their respective needs. Some policies are geared towards risk management, while others are designed with special focus on the nature of your business

Social media risks include the risk of defamation and libel, privacy violations, and data breaches. General liability insurance provides protection against these risks. The social media landscape is constantly changing, so it is important to have a general liability policy that can adapt to new circumstances and changes in technology.

It’s important for you as an independent contractor not to forget about insurance when you are working. Unfortunately, contractors are not eligible for workers compensation, so it is critical that you purchase general liability insurance.

Our Goal is to make the Process Simpler

We get it—General Lability Insurance is confusing. From figuring out if you need it to finding a policy that works for you, it’s all time-consuming.

At JGS Insurance, our main goal is to help you through the process. We’re here for you. Talk with an advisor today!