Commercial General Liability Insurance
Protect your business from the financial impact of third-party injuries, property damage, lawsuits, and other common liability risks with commercial general liability insurance from Stanton Insurance Group. We’ll help you find coverage designed around your business, industry, and budget.
Why Choose Stanton Insurance Group for Commercial General Liability Insurance?
At Stanton Insurance Group (SIG), we understand that every business faces different liability risks. As a family-owned, independent insurance agency with over 30 years of experience, we help businesses find commercial general liability insurance that provides the right protection without unnecessary coverage.
Because we work with 50+ top insurance carriers, we can compare commercial general liability insurance policies, coverage options, and pricing on your behalf. Whether you operate a small business, manage a growing company, or work in an industry with more complex liability exposures, our team can help you understand your options and choose coverage that fits your needs.
What Is Commercial General Liability Insurance?
Commercial general liability insurance, often called CGL insurance, helps protect a business when it is held responsible for certain injuries, property damage, or other harm involving third parties.
Even careful businesses can face unexpected claims. A customer could slip and fall at your location, an employee could accidentally damage a client’s property, or your business could face a lawsuit related to advertising or another covered activity. Without appropriate liability coverage, legal expenses, settlements, medical costs, and judgments can create a significant financial burden.
A commercial general liability insurance policy helps provide a financial safeguard against many of these everyday business risks, subject to your policy’s terms, conditions, exclusions, and limits.
What Does Commercial General Liability Insurance Cover?
Bodily Injury
If a customer, visitor, vendor, or other third party is injured because of your business operations, general liability insurance may help cover medical costs, legal expenses, settlements, or judgments associated with a covered claim.
For example, if a customer slips on a wet floor at your business and is injured, your CGL policy may respond to the resulting claim.
Questions?
Contact an insurance agent at Stanton Insurance Group today to answer any of your questions or for a free review and quote.
Commercial General Liability Insurance FAQs
Commercial general liability insurance does not cover every business risk. Employee injuries are typically handled through workers’ compensation, while professional errors or negligence may require professional liability insurance. Damage to your own business property generally falls under commercial property insurance, and business vehicle accidents typically require commercial auto insurance. Certain cyber incidents and pollution-related claims may also require separate coverage.
SIG can help you identify additional policies that may be appropriate for your business.
Commercial general liability insurance can be valuable for small businesses because even a single injury, property damage claim, or lawsuit can create significant costs. Coverage may be appropriate for retail stores, restaurants, offices, contractors, service businesses, and many other types of companies.
Some small businesses may also qualify for a Business Owners Policy, or BOP, which combines general liability and commercial property coverage into one policy.
Commercial general liability insurance for contractors can help protect against covered third-party bodily injury and property damage claims that arise from business operations. Contractors may also need coverage to meet requirements from clients, landlords, general contractors, or project owners.
SIG can help contractors review coverage limits, certificates of insurance, and other insurance requirements related to their work.
Commercial general liability insurance costs vary based on factors such as your industry, location, annual revenue, number of employees, claims history, customer exposure, coverage limits, and the services or products you provide.
Because pricing can vary considerably by business, requesting a personalized commercial general liability insurance quote is the best way to determine your potential cost.
Commercial general liability insurance policies typically include several coverage limits. Two of the most important are the per-occurrence limit, which is the maximum the policy may pay for a particular covered occurrence, and the general aggregate limit, which is the maximum the policy may pay for certain covered claims during the policy period.
Your industry, contracts, leases, and overall risk exposure can help determine how much coverage you may need. Businesses that need additional protection may also consider commercial umbrella or excess liability insurance.
Commercial general liability insurance primarily covers certain third-party claims involving bodily injury, property damage, and personal or advertising injury.
Professional liability insurance is designed for claims involving alleged professional mistakes, negligence, errors, or failure to properly perform professional services. Some businesses may need both types of liability coverage.
Yes. Stanton Insurance Group helps businesses throughout New Jersey find commercial general liability insurance tailored to their operations and risk exposure.
As an independent agency, SIG can compare coverage options from more than 50 insurance carriers to help businesses find competitive coverage that fits their needs.
Stanton Insurance Group can review your business operations, discuss your coverage needs, and compare commercial general liability insurance quotes from multiple carriers.
Whether you’re purchasing coverage for the first time or reviewing an existing policy, our team can help you find coverage suited to your business.