Commercial General Liability (CGL) insurance is like a shield for businesses, providing coverage for unexpected incidents that could harm others or their property. It's the safety net that kicks in when accidents happen on your watch, whether it's someone getting hurt on your premises or damage caused by your products or services.
Think of it as comprehensive protection for your business, though it's important to note that it doesn't cover everything.
There are two main types of CGL policies: one that covers claims no matter when they arise, and another where the incident must occur within a specific timeframe.
And here's a bonus: If you work with other companies, you can include them in your CGL policy as "additional insured," extending your protection to them too.
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