Commercial general liability (CGL) insurance covers general business risks. Every business has vulnerabilities and CGL provides first-line coverage for when stuff happens.

Someone may get injured at your office, your windows may get smashed or that venue you rented may get damaged during your event. CGL covers bodily injury and property damage liability, personal and advertising injury, medical payments, products-completed operations, and damage to premises you rented.

CGL insurance is generally categorized as an "all-risks" type of insurance, providing coverage for risks unless specifically excluded. As the word “general” indicates, specific risks are normally excluded from CGL coverage. If you need professional services, pollution, liquor, automobile liability, or directors and officers liability, you’ll need to get additional separate insurance policies to cover these situations.