Premises & Operations Liability
Protects against covered third-party claims for bodily injury or property damage arising from the insured's premises or business operations.
Commercial General Liability
Protect Your Business From Third-Party Liability Risks
Commercial General Liability Insurance protects your business against third-party bodily injury or property damage claims arising from your operations, premises or products, helping you manage claims and legal costs.
Third-Party Bodily Injury Protection
Third-Party Property Damage Protection
Legal Liability & Defence Costs
Product & Premises Liability Protection
Flexible Liability Solutions
What Is Commercial General Liability?
Understanding Commercial General Liability
Commercial General Liability (CGL) Insurance protects businesses against third-party bodily injury, property damage and related claims, covering eligible compensation and legal defence costs, subject to policy terms, limits and exclusions.
What Does It Cover?
- Third-party bodily injury
- Third-party property damage
- Legal defence and litigation expenses
- Premises and operations liability
- Products and completed operations liability
Example:
If a customer or visitor suffers an injury at an insured business premises and raises a legal claim against the company, CGL Insurance can help cover eligible legal defence costs and compensation arising from the covered liability, subject to the policy terms and applicable limits.
Coverage Components
Comprehensive Protection At Every Level
Products Liability
Protects against covered third-party claims for bodily injury or property damage caused by products the insured manufactures, supplies or sells.
Completed Operations Liability
Protects against eligible third-party claims from completed work or services by the insured that result in covered bodily injury or property damage.
Third-Party Bodily Injury
Protects against covered legal liability for accidental third-party bodily injury arising from the insured's business activities.
Third-Party Property Damage
Protects against covered legal liability for accidental damage to third-party property caused by the insured's business operations.
Legal Defence Costs
Covers eligible legal defence expenses for covered liability claims, including legal representation and related costs, subject to policy terms and limits.
Personal & Advertising Injury
Where covered, protects against claims such as defamation, libel, slander or other personal and advertising injury from business activities.
Additional Liability Extensions
Depending on the business, additional extensions can be considered for specific contractual, operational or product exposures.
Advisory Support
Protect Yourself Before Risk Finds You
Third-party claims can mean significant legal costs. We structure CGL solutions around your operations, premises, products and contracts.
- 1.
Risk Assessment & Needs Analysis
We understand your business activities, premises, products, services, contractual obligations and key liability exposures.
- 2.
Policy Design & Placement
Our specialists structure suitable limits, deductibles and extensions, and place the risk with appropriate insurers.
- 3.
Policy Documentation & Support
We coordinate policy documentation to ensure the selected covers, limits, insured entities and extensions are accurately reflected.
- 4.
Dedicated Claims Advocacy
Our team supports claims from notification through documentation, insurer coordination and resolution.
- 5.
Annual Policy Review & Renewal
Regular reviews assess changes in activities, turnover, products and exposures to keep the programme aligned.
Ready To Explore
Commercial General Liability?
Protect your business against third-party liability risks with comprehensive coverage designed around your operations.
Frequently Asked Questions
Answers to Common Insurance Queries
Limits should consider premises exposure, operations, contractual obligations, customer interactions, geographical reach and potential severity of third-party bodily injury or property damage claims.
Contracts may transfer liabilities to the insured or require specific limits and extensions, making contractual obligations important during policy structuring.
Equirus Raghnall reviews business activities, premises, contractual obligations, third-party exposure and required limits before negotiating the appropriate liability programme.
The contractual requirements are mapped against insurer wording, limits, exclusions and extensions to identify the appropriate terms and negotiate amendments where required.
