Liability insurance takes on many forms for businesses, but on the most basic level, it is protection for your business against damage or injury to another caused by your employees, your business operation, or your physical plant.
Commercial General Liability (CGL) covers most liability exposures other than auto and professional liability. Here are some examples of claims covered by CGL”
An important benefit from CGL is coverage for your defense costs in a lawsuit. Regardless of the merits of the lawsuit, the CGL will cover the legal fees to defend your position.