Commerical General Liability or CGL

Commercial General Liability Insurance has become more complicated. In spite of the language simplification initiative in 1986 the insurers have created more and more endorsements that make complying with contractual obligations more difficult.

Our experts have spent thousands of combined hours in the classroom obtaining various professional designations. This education and experience enables us to design a cost effective program to assure you are not at risk for breach of contract lawsuits arising out of non compliant insurance coverage.

Types of Liability Insurance Coverage

  • Premises
  • Products Completed Operations
  • Personal and Advertising Injury
  • Fire Legal
  • Medical Payments

Additional Named Insured Coverage provided by endorsement and automatically where required by written contract.

Waiver of Our Rights to Transfer aka: Waiver of Subrogation provided by endorsement and automatically by written contract.

Limits of Insurance

  • Per Occurrence – The maximum amount paid for one accident.
  • Per Aggregate – The maximum amount paid for all accidents during the policy period.
    • Aggregates can be extended to each of your locations or each of your projects by endorsement.
  • Defense costs can are usually in addition to the policy limit and unlimited. Check your policy carefully for more restrictive terms.