What Is Commercial General Liability Insurance?

Commercial general liability insurance is a type of insurance that is commonly purchased by most business owners. With this type of insurance policy, businesses can protect themselves against liability that could arise throughout the regular course of business actions.

When running a business, there are generally many things that could go wrong when dealing with customers. If one of the customers was to be seriously injured while on business property, they could sue the business for damages. With commercial general liability insurance, the insurance coverage will pay for the medical bills and the damages associated with this type of situation up to a certain dollar limit.

Commercial general liability insurance will also cover damages to property that are caused by doing business. For example, when one of your employees damages someone else's property on accident, this type of insurance policy will step in and pay to have the property repaired or replaced.

Purchasing general liability insurance is an important step for every business owner. Without this type of insurance, they might be held personally responsible for any accidents on the property. By paying a small premium, a devastating lawsuit can be avoided in most cases. 

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