General Liability Insurance NJ

Reduce Gaps In Coverage

Commercial general liability (CGL) policy insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises, and ventures.

Back To Business Insurance

Commercial general liability (CGL) policy is extremely broad in nature. It insures the bodily injury liability and property damage liability exposures of a variety of commercial businesses, enterprises, and ventures. The broad nature of these forms eliminates having to select and group individual or specific hazards, with the resulting potential gaps in coverage.

These policies can be offered on either an occurrence or a claims-made basis, as a monoline policy or combined with one or more other lines of insurance to form a commercial package policy. The basic exposures of the named insured covered by the CGL coverage forms include:

  • Ownership, maintenance, or use of the premises
  • Operations conducted or performed on or off the premises
  • Written contracts and agreements
  • Products manufactured, sold, or distributed
  • Completed operations
  • Personal injury
  • Advertising injury
  • Medical payments on the premises or at job sites, without regard to fault

Each of these coverages is subject to certain policy definitions, exclusions, and limitations.

Some Content Provided By: © Insurance Information Institute, Inc. – Used With Permission ALL RIGHTS RESERVED

Looking For Something Else?

Check out our Business and Speciality Insurance options available.

LATEST ARTICLES

The Right Time To Purchase Life Insurance

Life insurance pays out a lump sum of money to loved ones when you die. With this money, your family...

LEARN MORE

What To Know When Buying Business Insurance in NJ

Business insurance helps companies in New Jersey protect their financial assets. Without this coverage, you would have to pay out-of-pocket...

LEARN MORE

How To Get The Most Out Of Your Insurance Company

Insurance premiums continue to rise, so it pays to be a savvy consumer. Too often, people pay for coverage and...

LEARN MORE