Commercial general liability (CGL) insurance—also known as general liability insurance (GLI) or business liability insurance—helps protect your business from claims of bodily injury and property damage.

What Does Commercial General Liability Insurance Cover?

Commercial general liability insurance helps cover your costs to respond to a claim that your business caused property damage or bodily injury. It can help pay for:

• A customer or client’s medical expenses if they slip and fall in your business.

• Reputational harm resulting from malicious prosecution, slander, libel, wrongful eviction, or violating a person’s privacy.

• Advertising injuries, such as copyright infringement from your business’ advertisements or social media activity, or trademark infringement when marketing your business’ products or services.

• False arrest or imprisonment if your business wrongfully detains a person suspected of shoplifting, for example.

• Medical costs if your customer or client hurts themselves while visiting your business.

• Damage to rented property caused by a covered loss such as fire, lightning, or explosion.

• Repair costs to fix a wall that your employee accidentally damaged while working at a customer’s home or bodily injuries to a child caused by a harmful substance your employee did not properly dispose of.

• Legal costs to defend your business in a lawsuit.

• Judgments and settlements from a customer or client’s lawsuit.

In Florida, Commercial General Liability (CGL) insurance is designed to protect businesses from financial losses due to claims of bodily injury, property damage, and various liabilities related to their operations. CGL insurance typically covers medical expenses for injuries occurring on business premises, such as a customer slipping and falling. It also provides coverage for reputational harm, including slander and libel, as well as advertising injuries like copyright or trademark infringement. Additionally, CGL policies in Florida may cover incidents of false arrest or imprisonment, damage to rented property, and repair costs for accidental damage caused by employees. Legal defense costs, judgments, and settlements from lawsuits are also generally covered under CGL insurance. It's important for businesses to review their policies carefully to understand the specific coverages, exclusions, and limits, as insurance regulations and the scope of coverage can vary. Businesses should consult with an attorney or insurance professional to ensure their policy meets their needs and complies with any applicable Florida statutes and federal laws.