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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 which 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 is 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 (ex. 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 Keeps You In Business.

Every business benefits from adequate Commercial General Liability coverage. CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client’s site.

Commercial General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another’s property, reputation or health, your business can keep its assets if it is adequately insured.

Commercial General Liability Only Protects Against Some Business Liabilities.

Even as a BOP (Business Owner’s Package), where CGL insurance is combined with Property insurance at very reasonable rates, General Liability insurance does not protect your business against every liability. Professional Liability is a much-needed form of business liability insurance whose coverage takes over where Commercial General Liability leaves off.

Professional Liability insurance (also known as Errors and Omissions, or E&O coverage) is a separate type of insurance which protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. Professional Liability insurance is another important type of coverage to protect your business from potentially catastrophic claims.

Commercial General Liability Quotes.

Some companies make the mistake of thinking professional negligence or errors will be covered by a CGL policy. If you or your employees make professional judgments and recommendations in the course of your business, ask your agent or broker about a Professional Liability policy in addition to a CGL policy.

Commercial General Liability is less expensive than Professional Liability insurance. Ask your agent or broker to quote several coverage combinations, including CGL, Property and E&O coverage, to protect your business against a wide array of liabilities.

     General Information

      This section only needs to be completed once for multiple lines of coverage

Name of Business:

Name of Owners/Officers:

Contact Name:

Contact Phone & Fax:

 Phone:    Fax:

Contact E-mail Address:

Address:

City:

   State:    Zip:

Business Info:

C-Corporation
S-Corporation
LLC                

Sole-Proprietor

Partnership

LLP/Other

 Years in Business:

Fed. Tax ID or Social Security Number:

Business Description:

     Current/Previous Insurance Information

Current insurance company:

   Annual Premium:

Policy Period:

 Effective Date:    Expiration Date:

Any Other Carriers

(last 3 years):

No  Yes   If yes, please list name and estimated premium:

Any Insurance Claims Filed

(last 3 years):

No  Yes   If yes, please give following data:

 -Date of claims, amount of claims, description, and cost of claims:

     Payroll & Receipt Information

Gross Receipts/Sales:

 Current Policy Year:    Next Year:

Number of Employees:

Gross Payroll:

 Current Policy Year:    Next Year:

     Property Information (optional- if needed)

List Each Location:

1: 2: 3:

List Area/Square Footage:

1: 2: 3:

Building Info:

 Describe age, building type, stories, and construction material:

1: 2: 3:

Alarms & Fire Info:

 Describe alarms types (if any) and any building improvements:

1: 2: 3:

Estimated Value of

each Building:

1: 2: 3:

Estimated Value of

Contents per Building:

1: 2: 3:

     Contractors Information (construction related)

Type of Work as Percentage:

 Commercial:     Residential:

 New  Construction:     Remodel:

General vs. Subcontractor

as Percentage:

 General:     Sub:

Do You Require Cert's

from Your Sub's:

No  Yes 

     Additional Comments & Information

Please tell us anything else you think might be helpful to know in order to provide accurate insurance quotes: