Commercial General Liability (CGL) insurance is a foundational policy for businesses, providing broad coverage for a range of potential risks. Here’s an overview of what CGL insurance typically includes:Bodily Injury and Property Damage: CGL insurance covers the costs associated with bodily injury or property damage caused by your business operations or products, or on your business premises1.Personal and Advertising Injury: It also protects against claims of slander, libel, or advertising injury, which can arise from your marketing activities1.Medical Payments: The policy may cover medical expenses for non-employees injured on your premises or by your products1.Legal Defense Costs: CGL insurance can cover the legal costs of defending against a variety of claims, including accidents, injuries, and negligence1.Premises and Operations Coverage: This aspect of CGL insurance provides protection for incidents that occur on your business premises or as a result of your business operations1.Products and Completed Operations: It covers any liability arising from your products or completed services, which is crucial if your business manufactures, distributes, or sells goods1.Excess Liability Coverage: Businesses can purchase additional coverage to protect against claims that exceed the limits of their CGL policy1.Claims-Made vs. Occurrence Policy: CGL policies can be structured as either claims-made or occurrence policies, each with its own method of triggering coverage1.CGL insurance is considered comprehensive, but it does not cover all risks. It typically excludes intentional damages and accidents involving automobiles, aircraft, or watercraft1. It’s important for businesses to carefully assess their risks and ensure they have the appropriate coverage to protect against potential liabilities.