Coverage · 01
Commercial General Liability. The foundation.
CGL defends your business against third-party claims of bodily injury, property damage, and personal injury — the most common source of NYC commercial litigation.
What it is
Commercial General Liability is the foundational third-party policy for any operating business. It responds when someone outside your company is hurt, or their property is damaged, in connection with your operations, products, or premises. CGL is what your landlord, vendors, and most clients will demand to see on a Certificate of Insurance.
What it covers
Bodily injury
Medical costs and legal defense if someone is injured by your operations or on your premises.
Property damage
Repair or replacement of third-party property damaged by your business activities.
Personal & advertising injury
Libel, slander, copyright infringement in advertising, and similar reputational harms.
Products & completed operations
Claims arising after your product is sold or your work is completed.
Common gaps we catch
- Insufficient aggregate limits for high-frequency claim industries
- Missing additional insured endorsements required by leases or vendor contracts
- Subcontractor exclusions that void coverage in construction-adjacent work
- Inadequate primary/non-contributory wording on landlord-required COIs
- Liquor liability gaps for businesses serving alcohol at events
Explore other lines
Start here
Find out where you're exposed.
Take the 4-minute assessment. An advisor reviews every result personally — no quote engine, no sales call queue.
Begin my Business Risk Score→