General liability

Commercial general liability (CGL) policy is extremely broad in nature. It insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises, and ventures. 

These policies can be offered on either an occurrence or a claims-made basis, as a monoline policy or combined with one or more other lines of insurance to form a commercial package policy. The basic exposures of the named insured covered by the CGL coverage forms include:

• Ownership, maintenance, or use of the premises
• Operations conducted or performed on or off the premises
• Written contracts and agreements
• Products manufactured, sold, or distributed
• Completed operations
• Personal injury
• Advertising injury
• Medical payments on the premises or at job sites, without regard to fault

Each of these coverages is subject to certain policy definitions, exclusions, and limitations.