What does Commercial General Liability insurance cover?

CGL insurance covers third-party claims for bodily injury, property damage, and personal or advertising injury. It also includes legal fees, settlements, and medical expenses. Stratford Insurance customizes CGL policies to fit your business’s specific needs, ensuring comprehensive protection against common risks.

Does CGL insurance cover employee injuries?

No, employee injuries are not covered under CGL insurance. For employee-related injuries, you’ll need workers’ compensation insurance. Stratford Insurance can provide both types of coverage to protect all aspects of your business operations.

Who needs Commercial General Liability insurance?

Any business that interacts with customers, clients, or the public should have CGL insurance. It’s essential for retailers, contractors, service providers, and more. Stratford Insurance assesses your operations to ensure you have the right coverage for your liability exposures.

Is CGL insurance required by law?

CGL insurance is not legally required but is often necessary for contracts, leases, or partnerships. Many businesses also carry it as a best practice to mitigate financial risks. Stratford Insurance helps you meet industry requirements and secure your business’s future.

Can I customize my CGL insurance policy?

Yes! You can add endorsements like cyber liability or additional insured coverage to your policy. Stratford Insurance tailors policies to address your specific risks, providing comprehensive protection for your operations.

Commercial General Liability

Liability Protection

Safeguard your business from unexpected risks.

Accidents and claims can disrupt any business. Stratford Insurance offers Commercial General Liability (CGL) insurance to protect your operations from financial loss due to property damage, bodily injury, or legal claims.

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Bodily Injury Coverage

Accidents can happen when you least expect them. Bodily injury coverage helps pay for medical expenses, legal fees, and settlements if someone is injured on your business premises. From a customer’s slip-and-fall to a contractor’s on-site injury, Stratford Insurance ensures your business is protected from costly liabilities.

Property Damage Coverage

If your business activities cause damage to someone else’s property, property damage coverage steps in. Whether it’s a broken window during a delivery or damage caused by equipment, this coverage helps cover repair or replacement costs. Stratford Insurance offers tailored policies to address your specific liability risks.

Advertising Injury Coverage

Claims of defamation, copyright infringement, or misrepresentation in your advertising materials can lead to lawsuits. Advertising injury coverage protects your business from financial losses related to these claims. Stratford Insurance ensures your policy covers these unique risks, allowing you to focus on growing your business without worry.

Some basic information that can help you better plan ahead.

What does Commercial General Liability insurance cover?

CGL insurance covers third-party claims for bodily injury, property damage, and personal or advertising injury. It also includes legal fees, settlements, and medical expenses. Stratford Insurance customizes CGL policies to fit your business’s specific needs, ensuring comprehensive protection against common risks.
Does CGL insurance cover employee injuries?

No, employee injuries are not covered under CGL insurance. For employee-related injuries, you’ll need workers’ compensation insurance. Stratford Insurance can provide both types of coverage to protect all aspects of your business operations.
Who needs Commercial General Liability insurance?

Any business that interacts with customers, clients, or the public should have CGL insurance. It’s essential for retailers, contractors, service providers, and more. Stratford Insurance assesses your operations to ensure you have the right coverage for your liability exposures.
Is CGL insurance required by law?

CGL insurance is not legally required but is often necessary for contracts, leases, or partnerships. Many businesses also carry it as a best practice to mitigate financial risks. Stratford Insurance helps you meet industry requirements and secure your business’s future.
Can I customize my CGL insurance policy?

Yes! You can add endorsements like cyber liability or additional insured coverage to your policy. Stratford Insurance tailors policies to address your specific risks, providing comprehensive protection for your operations.

Protect your business from liability risks.

Stratford Insurance provides customized Commercial General Liability insurance to safeguard your operations. Contact us today for a quote and protect your future.