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General Liability Insurance

General Liability Insurance Can Help Protect Your Business from the Unknown 

With the day-to-day uncertainties of small business management, general liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. 

Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind.

For example, any individual or business providing an opinion, making recommendations, designing solutions or offering a service is at risk for a professional liability lawsuit. 

Insurance companies can help with defense costs, regardless of fault. And we offer protection for judgments, court costs and more. 

What business liability insurance covers 

Nationwide understands that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business. 

We offer coverage for: 

Professional liability

Products and completed operations

Fire liability

Medical payments

Premises liability

Employer’s liability

Employee benefits liability

Employment-related practices liability 

What is Business Liability / Commercial General Liability Insurance? 

Commercial General Liability Insurance Protects Your Business From Common Liabilities.

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Commercial General Liability (CGL) insurance policy is the first line of defense against many common claims. 

General Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Commercial General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing. 

Commercial General Liability - The Most Basic Form of Business Insurance 

If you have only one form of business insurance, it is most likely Commercial General Liability. CGL policies cover claims in four basic categories of business liability: 

Bodily Injury

Property Damage

Personal Injury (including slander or libel)

Advertising Injury 

In addition to covering the claims listed above, Commercial General Liability policies also cover the cost to defend or settle claims - even if the claims are fraudulent. 

Business Liability insurance protects your business against significant financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverage’s may not be available on all policies or in all states.) 

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