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Business insurance

  • Builders risk
  • Business auto
  • Business owners policy
  • Commercial property
  • Directors & officers
  • Employment practices liability
  • General liability
  • Nonprofit organizations
  • Professional liability
  • Umbrella
  • Workers' compensation

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.

"Call for a quote. Find your protection."

219 South Main Street, Ishpeming, MI 49849

P: 906.485.6391 - F: 906-485-1277

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