{"id":900467,"date":"2022-10-12T15:39:36","date_gmt":"2022-10-12T21:39:36","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=900467"},"modified":"2022-10-12T15:39:42","modified_gmt":"2022-10-12T21:39:42","slug":"commercial-general-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/commercial-general-liability-insurance\/","title":{"rendered":"Commercial General Liability Insurance: Don\u2019t Get Caught Slipping Without It"},"content":{"rendered":"\n<p>Gabreal Belcastro and John Lingelbach | <a href=\"https:\/\/www.koleyjessen.com\/newsroom-publications-commercial-general-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Koley Jessen<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.myconstructionexpert.com\/blog\/cgl-policy-may-cover-more\/\" target=\"_blank\" rel=\"noreferrer noopener\">Commercial General Liability (\u201cCGL\u201d) insurance<\/a>, also known as \u201cbusiness liability insurance\u201d or simply \u201cgeneral liability insurance,\u201d is a standard type of business insurance carried by companies to protect against \u201cgeneral claims.\u201d \u201cGeneral claims\u201d are claims brought by customers or other third parties which generally involve bodily injury or property damage and typically either (a) occur on the company\u2019s premises, or (b) result from a business\u2019s operations. CGL policies exist to provide coverage to businesses for general claims resulting out of non-professional negligence. CGL policies provide coverage for both negligent acts\u00a0<em>and<\/em>\u00a0omissions, and typically cover both the costs of legal defense and the amounts of actual damages suffered by the customer or other third party.<\/p>\n\n\n\n<p>A CGL policy might provide coverage for a customer\u2019s slip and fall within the policy-holder\u2019s business establishment, or for damages to a customer\u2019s (or another third party\u2019s) property resulting from an employee\u2019s negligence. A CGL policy might also cover businesses against certain advertising-related claims, including libel, slander, and copyright infringement. CGL policies typically provide coverage for all reasonably necessary emergency, medical, and funeral expenses for customers and other third-parties who are injured or killed on-premises or by a business\u2019s ordinary operations. Likewise, CGL policies also typically cover damages resulting from advertising injuries, including harm to a third party\u2019s character or reputation.<\/p>\n\n\n\n<p>Notably, CGL policies do not provide coverage for the negligent performance of a business\u2019s&nbsp;<em>own services<\/em>. In other words: a CGL policy generally will not provide coverage if a plumber, for instance, improperly installs a sink. Insurance companies generally do not wish to guarantee the quality of their policy holders\u2019 work and, as a result, CGL policies typically exclude such work from coverage. However, to stick with the pluming example, if the negligently installed sink begins to leak and the leak then causes water damage to a customer\u2019s home, the plumber\u2019s CGL policy may kick in to provide coverage for the water damage itself.&nbsp;<\/p>\n\n\n\n<p>Aside from coverage exclusions for a business\u2019s own work, other common exclusions in CGL policies include: professional error, employee injuries, stolen or damaged business property, employee discrimination lawsuits, liquor liability, and pollution liability. It is important to read your CLG policy carefully to determine what coverage your business does (and does not) contain. If you have questions regarding your specific CGL policy, CGL policies generally, or potential claims against your business, please reach out to a member of our Litigation Practice Group for further information.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes &#8211; please call Advise &amp; Consult, Inc. at 888.684.8305, or email <a href=\"mailto:experts@adviseandconsult.net\" target=\"_blank\" rel=\"noreferrer noopener\">experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gabreal Belcastro and John Lingelbach | Koley Jessen Commercial General Liability (\u201cCGL\u201d) insurance, also known as \u201cbusiness liability insurance\u201d or simply \u201cgeneral liability insurance,\u201d is a standard type of business insurance carried by companies to protect against \u201cgeneral claims.\u201d \u201cGeneral claims\u201d are claims brought by customers or other third parties which generally involve bodily injury&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/commercial-general-liability-insurance\/\">Continue reading <span class=\"screen-reader-text\">Commercial General Liability Insurance: Don\u2019t Get Caught Slipping Without It<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[10791,30],"tags":[9895,4739,225],"class_list":["post-900467","post","type-post","status-publish","format-standard","hentry","category-commercial-general-liability-policy","category-general-liability-policy","tag-advise-consult","tag-commercial-general-liability-policy","tag-general-liablity-policy","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Commercial General Liability Insurance: Don\u2019t Get Caught Slipping Without It - Advise &amp; 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