General Liability Insurance
Also known as Commercial General Liability (CGL) protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:
Bodily injuryA client falls over their personal trainer’s gym bag and the trainer is found legally liable for the injury. A general liability insurance policy could cover the personal trainer’s subsequent claim and related medical expenses up to policy limits of liability.
Property damageand data loss
A consultant spills coffee on a client’s server causing damage or loss of data. The consultant’s general liability coverage could cover the subsequent claim, up to policy limits, and could pay for an attorney to defend the consultant if necessary.
Personal injury:One of your employees is at lunch. He talks to some of his fellow co-workers about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. General liability coverage could cover the subsequent claim, up to your limits, and pay an attorney to defend you if necessary.