“Insurance placed on businesses and commercial entities protecting them from some of the things they “may” become “legally liable” for. 

It (GL) does not cover…

(But sometimes you can buy the coverage as a package)
1)  Automobile or truckers insurance unless you package it
2)  Your own business property unless you package it
3)  Professional liability exposures like Errors and Omissions or Malpractice Insurance,
4)  Terrorism unless you buy it back
5)  Additional Business Interruption Expenses if you have a loss unless you add that extra
6)  Loss of Business




but it does protect businesses from some other liability exposures.  Some Commercial Insurance Companies created their own policies.   This is a very brief explanation, so be sure to read your policy for full disclosure of your coverages, your limitations, and your exclusions. 

Comprehensive General Liability was replaced in 1986 by the “Commercial General Liability” (CGL) policy



The CGL policy is a bit different, and most markets sell the CGL instead of basic GL.  Since 1971, ISO has been a leading source of information about property/casualty insurance risks.  Per ISO (Insurance Services Office) CGL is a standardized insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of your business (location) premises, business operations, your products and completed operations; and advertising and personal injury (PI) liability. The CGL policy was introduced in 1986 and replaced the "comprehensive" general liability policy. 

Be sure to check if your quote includes:
1)  Premises Liability, depending on the class of business
2)  Products and Completed Operations
3)  Personal and Advertising Injury
4)  Damages to Rented Premises
5)  Medical Expenses
6)  Employee Benefits are not included, unless you are purchasing a Work Comp policy too



Package policies, such as a CPP or a BOP,  usually have more “built in” coverages, including….



Iincluding
1)  Building Coverage, if you included it,
2)  Contents Coverage, if you included it,
3)  Business Interruption and Extra Expense is often included
4)  These are packaged together with Liability protection
BUT NOT including
1)  Professional Liability,
2)  Auto Insurance
3)  Work Comp
4)  Heal Insurance
5)  Disability Insurance
6)  Vision or Dental Insurance for your or employees
7)  Life Insurance

RARELY you may find a market that may package a few things but you need to know what you NEED and make sure it is “included” or make sure you buy a separate policy to cover those “needs”. What does General Liability Insurance for Small Business include?

 


General Liability insurance is …

“Insurance placed on businesses and commercial entities protecting them from some of the things they “may” become “legally liable” for. 

It (GL) does not cover…

(But sometimes you can buy the coverage as a package)
1)  Automobile or truckers insurance unless you package it
2)  Your own business property unless you package it
3)  Professional liability exposures like Errors and Omissions or Malpractice Insurance,
4)  Terrorism unless you buy it back
5)  Additional Business Interruption Expenses if you have a loss unless you add that extra
6)  Loss of Business




but it does protect businesses from some other liability exposures.  Some Commercial Insurance Companies created their own policies.   This is a very brief explanation, so be sure to read your policy for full disclosure of your coverages, your limitations, and your exclusions. 

Comprehensive General Liability was replaced in 1986 by the “Commercial General Liability” (CGL) policy



The CGL policy is a bit different, and most markets sell the CGL instead of basic GL.  Since 1971, ISO has been a leading source of information about property/casualty insurance risks.  Per ISO (Insurance Services Office) CGL is a standardized insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of your business (location) premises, business operations, your products and completed operations; and advertising and personal injury (PI) liability. The CGL policy was introduced in 1986 and replaced the "comprehensive" general liability policy. 

Be sure to check if your quote includes:
1)  Premises Liability, depending on the class of business
2)  Products and Completed Operations
3)  Personal and Advertising Injury
4)  Damages to Rented Premises
5)  Medical Expenses
6)  Employee Benefits are not included, unless you are purchasing a Work Comp policy too



Package policies, such as a CPP or a BOP,  usually have more “built in” coverages, including….



Iincluding
1)  Building Coverage, if you included it,
2)  Contents Coverage, if you included it,
3)  Business Interruption and Extra Expense is often included
4)  These are packaged together with Liability protection
BUT NOT including
1)  Professional Liability,
2)  Auto Insurance
3)  Work Comp
4)  Heal Insurance
5)  Disability Insurance
6)  Vision or Dental Insurance for your or employees
7)  Life Insurance



RARELY you may find a market that may package a few things but you need to know what you NEED and make sure it is “included” or make sure you buy a separate policy to cover those “needs”.  Type your paragraph here.

WHAT DOES GENERAL LIABILITY INSURANCE FOR SMALL BUSINESS INCLUDE?


SMALL business insurance Professionals

WHAT IS GENERAL LIABILITY INSURANCE?