Commercial general liability (CGL)
InsuranceFinder coverage guide · Updated September 2026
Commercial general liability (CGL) commonly responds to claims that a business caused customer bodily injury, third-party property damage, slip-and-falls, or advertising injury — when those claims fall under the form. Landlords, vendor contracts, and client onboarding often ask for this coverage. It typically does not cover your own property, professional errors, or employee work injuries — those usually need other forms.
Commercial general liability coverage breakdown
CGL is written for third-party liability on premises and operations. Limits, endorsements, and exclusions still decide what is paid.
Claims that someone was hurt or their property was damaged because of your business operations or premises, subject to the policy limits and deductibles.
Claims such as libel, slander, or certain advertising offenses when the form includes that coverage part — not every allegation is covered.
Injury or damage that arises after you sell a product or finish a job, when that coverage part applies. Timing and workmanship rules in the form matter.
Many leases and contracts ask for additional-insured status and certificates of insurance. Whether a person or company is added, and for which work, depends on the endorsement — not on a firm page.
Who typically uses commercial general liability
CGL is typically carried by businesses with a storefront, jobsite, or customer-facing operations, and by firms whose landlords or clients require proof of liability insurance. Contractors, retailers, restaurants, and professional offices often carry it alongside other commercial lines. The contract and carrier underwriting decide what is available.
Damage to your own building or inventory is commonly not a CGL claim — that is usually commercial property. Employee injuries are typically workers compensation, not CGL. Professional advice errors, auto accidents, and many pollution events often need separate forms. Expected or intentional injury is usually excluded. Education only — not advice to buy.
Agencies specializing in commercial general liability (cgl)
Independent agencies published in our database. Open a profile for license details and state DOI links.
National carriers writing commercial general liability (cgl)
Admitted national insurance companies writing coverage in multiple states.