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No matter what type of business you have, there's always a risk that someone gets injured or something goes wrong. A customer slips in your space, a service causes damage, or a product generates a problem. According to The Hartford, slip-and-fall claims average $20,000 — and Commercial General Liability (CGL) is the foundation of business protection.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Bodily Injury (Third Parties)
Pays for medical bills, lost wages, and pain & suffering when a non-employee is injured because of your business operations.
Property Damage (Third Parties)
Covers damage your business causes to property owned by others — at a job site, in a client's home, or anywhere your operations occur.
Personal & Advertising Injury
Protects against non-physical harm claims that don't fit bodily injury — a critical and often-overlooked coverage.
Products-Completed Operations
Covers injury or damage caused by your products after they've been sold — or by your work after a job is finished.
Legal Defense Costs
Pays attorney fees, court costs, and settlements — typically outside your policy limit. Defense alone can run $30,000+ even for groundless suits.
Who Needs This Coverage?
Practically any business with public exposure: retail stores, restaurants, contractors, salons, offices, and service providers. Many commercial leases, client contracts, and licensing requirements mandate a $1M/$2M CGL policy as a minimum — but standard limits are often well below today's claim costs.
Our Approach
We analyze your real operation, identify specific risks, and design adequate coverage.
Analyze your real operation
Identify specific risks
Design adequate coverage
"As an independent agency, we compare multiple options to find the best solution — not a standard one."
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.