General Liability Insurance
Commercial General Liability (CGL) insurance can help protect a business against covered third-party claims involving bodily injury, property damage and certain personal or advertising injury exposures arising from business operations.
Whether a customer is injured at your premises or your operations cause accidental damage to someone else’s property, Geebu Insurance Agency can help businesses across New York, New Jersey and Connecticut review liability limits, endorsements and coverage options based on their industry and contractual requirements.
A properly structured CGL policy can help address eligible medical payments, legal defense costs, settlements and judgments arising from covered third-party liability claims, subject to policy terms, limits and exclusions.
What Is General Liability Insurance?
General Liability Insurance can help protect a business against covered third-party claims involving bodily injury, property damage and certain personal or advertising injury exposures.
Depending on the policy and circumstances of the claim, coverage may also help with eligible legal defense costs, settlements and judgments, subject to policy terms, limits and exclusions.
- ✓ General Liability coverage is frequently requested by landlords, clients, vendors and project owners as part of leases, contracts or bidding requirements.
- ✓ A Certificate of Insurance (COI) can provide evidence of existing coverage and limits when required by a third party.
What Does General Liability Insurance Cover?
General Liability Insurance can help address a range of third-party bodily injury, property damage and liability exposures, subject to policy terms, limits and exclusions.
Third-Party Bodily Injury
May help cover eligible medical expenses, liability damages and legal defense costs when a customer, visitor or other third party is injured in connection with your business.
Third-Party Property Damage
Can help address covered accidental damage your business causes to property owned by customers, clients or other third parties.
Personal & Advertising Injury
May provide protection for certain covered offenses such as libel, slander, wrongful eviction and specific advertising-related claims, subject to policy exclusions.
Products & Completed Operations
May help cover certain bodily injury or property damage claims caused by products sold or completed work after the product has left your control or the work has been completed.
Damage to Rented Premises
CGL policies may provide limited coverage for certain damage to premises rented to or temporarily occupied by the insured, subject to policy provisions and applicable limits.
Medical Payments
May provide limited medical expense benefits for eligible third-party injuries without requiring a determination of legal liability, subject to policy conditions.
Legal Defense & Claim Costs
Can help with eligible attorney fees, court costs and other defense expenses arising from claims covered under the policy.
Off-Premises Operations
Depending on the business and policy, CGL coverage may apply to eligible liability exposures arising from operations away from your primary business location.
What General Liability Does Not Typically Cover
General Liability Insurance can address many common third-party liability exposures, but it does not replace other commercial insurance policies. Certain risks typically require separate coverage.
- ✕ Employee Workplace Injuries: Work-related injuries or occupational illnesses involving employees are generally handled through Workers’ Compensation coverage, subject to applicable state law.
- ✕ Business Auto Accidents: Liability arising from owned or certain business-use vehicles generally requires Commercial Auto or other applicable auto coverage.
- ✕ Professional Errors or Advice: Claims arising from professional services, advice, design errors or omissions may require Professional Liability or E&O coverage.
- ✕ Damage to Your Own Business Property: Buildings, equipment, inventory and other owned business property are generally insured under Commercial Property coverage rather than CGL.
Frequently Asked Questions
Common questions about Commercial General Liability coverage.
General Liability may help cover eligible third-party bodily injury, property damage and certain personal or advertising injury claims arising from business operations.
General Liability is not universally required by law, but landlords, clients, project owners, lenders and contracts may require specific liability limits or endorsements.
Employee work-related injuries are generally handled under Workers’ Compensation rather than Commercial General Liability, subject to applicable law and policy terms.
Products-completed operations coverage may apply to certain bodily injury or property damage claims arising after covered work has been completed, subject to exclusions and policy terms.
Geebu can assist insured businesses with certificate requests and help review contractual insurance requirements. A COI provides evidence of existing coverage but does not create or modify coverage by itself.
Additional insured status may be available by endorsement or qualifying policy provision depending on the insurer, contract, business operations and policy terms.
Risk Factor
A customer, vendor or visitor slips on a wet floor, loose cable, uneven surface or other hazard and suffers an injury.
Insurance Solution
General Liability may help address eligible third-party bodily injury claims, including certain medical expenses, legal defense costs and liability damages.
Risk Factor
A visitor or client is accidentally injured while at your business location or as a result of your business operations.
Insurance Solution
CGL coverage may help protect against covered third-party bodily injury liability claims, subject to policy limits, exclusions and applicable deductibles.
Risk Factor
Your employee or business operation accidentally damages a customer’s or another third party’s property.
Insurance Solution
General Liability may help address eligible third-party property damage claims caused by covered business operations.
Risk Factor
Work that was previously completed later results in bodily injury or property damage to a third party.
Insurance Solution
Products-completed operations coverage may help address eligible claims arising from covered products or completed work after the operation has been finished.
Risk Factor
Certain accidental damage occurs to commercial premises rented to or temporarily occupied by your business.
Insurance Solution
CGL policies may provide limited coverage for qualifying damage to premises rented to the insured, subject to the applicable coverage provision and limit.
Risk Factor
Your business is accused of certain covered offenses such as libel, slander or qualifying advertising injury.
Insurance Solution
General Liability may provide defense and liability protection for specific personal and advertising injury offenses defined by the policy.
Risk Factor
Your employees perform work at a customer site, trade show, temporary location or other location away from the primary premises.
Insurance Solution
Depending on the policy and business operations, CGL coverage may apply to eligible third-party liability claims arising from covered off-premises operations.
Risk Factor
A customer or other third party files a lawsuit alleging bodily injury, property damage or another covered liability claim.
Insurance Solution
General Liability may help with eligible attorney fees, court costs and other defense expenses for claims covered under the policy.
Why Choose Geebu Insurance Agency
As an independent insurance agency, Geebu Insurance Agency works with multiple top-rated carriers across New York, New Jersey, and Connecticut to help you secure comprehensive liability coverage at competitive rates.
Protect Your Business Today
Don’t let an unexpected accident compromise your business. Get custom General Liability coverage tailored to your industry.