General Liability Insurance
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Coverage Information
If you have only one form of business insurance, it is most likely
Commercial General Liability. CGL policies cover claims in four basic
categories of business liability:
* Bodily Injury
* Property Damage
* Personal Injury (including slander or libel)
* Advertising Injury
Business Liability insurance protects your business against financial
loss resulting from claims of injury or damage caused to others by you
or your employees. (Some coverages may not be available on all policies
or in all states.)
* Automatic Additional Insured. Coverage is automatically
provided when required in a written contract, agreement or permit.
* Personal and Advertising Injury. Covers you for certain
offenses you or your employees commit in the course of your business,
such as libel, slander, disparagement, or copyright infringement in your
advertisements.
* Employment Practices Liability. Covers claims, including legal
defense costs, for certain employment-related lawsuits brought against
you by your employees or job applicants ($5,000 limit where available).
* Defense Costs. Pays legal expenses for certain liability claims
brought against your business regardless of who's at fault.
* Medical Expenses. Pays the applicable medical costs if someone
is injured and needs medical treatment due to an accident on your
premises.
* Premises and Operations Liability. Provides coverage for bodily
injury and property damage sustained by others at your premises or as a
result of your business' operations.
* Tenant's Liability. Protects your business against claims of
damage due to fire or other covered losses caused by you to premises
that you rent.
General Liability and Property Package
General Liability and Property Package coverage is the most basic type
of commercial insurance and is limited to liability claims of bodily
injury or property damage. Coverage is provided for accidents on your
premises or at your customer's location. Some client contracts also
refer to these policies as Comprehensive Commercial Liability.
Typically offered as a general liability and property package policy,
coverage is also provided for theft or destruction of your company's
computer hardware and software and other assets (see property coverage)
such as office furnishings and equipment up to a specified amount.
A sample description of what you may receive within a
contract from a client/customer requesting you to have General Liability
insurance before you can begin a project:
"Supplier will maintain at its expense Comprehensive General Liability Insurance. Commercial General Liability Insurance policy limits shall be not less than a Combined Single Limit for Bodily Injury, Property Damage, and Personal Injury Liability of $1,000,000 per occurrence and $2,000,000 aggregate."
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