Commercial 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. The broad nature of these forms eliminate having to select and group individual or specific hazards, which could result in coverage gaps.

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 insurance policies to form a commercial package policy. The basic exposures of the named insured covered by the CGL policy 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 jobsites, without regard to fault

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

For more information on Commercial General Liability please contact us.

Applications & Forms
Christen Ward
Commercial Account

716-633-8401 x121

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