Commercial Liability
As a business owner, you’re no stranger to balancing multiple priorities—your customers, your employees, and your family. But no matter how well you manage these responsibilities, there are always risks. Accidents, errors, and unforeseen incidents can happen, leaving your business vulnerable to financial loss. That’s why having the right protection through Commercial General Liability (CGL) insurance is essential.
What is Commercial General Liability Insurance?
Commercial General Liability Insurance (CGL) is designed to protect your business from financial loss due to liability claims. Whether it’s an accident on your premises or damages caused by your products, CGL offers essential coverage.
What Does Commercial General Liability Insurance Cover?
CGL provides comprehensive protection against several common risks that businesses face. Here’s a breakdown of what’s typically covered:
Bodily Injury Liability: If a customer or visitor is injured on your premises or as a result of your operations, CGL covers medical expenses and legal fees.
Property Damage: This covers damages to someone else’s property caused by your business, whether it’s equipment failure, accidental damage, or a contractor’s mistake.
Personal and Advertising Injury: This includes coverage for claims like libel, slander, wrongful eviction, or copyright infringement related to your advertising or business communications.
Medical Payments: Regardless of who is at fault, CGL policies often cover medical expenses for injuries sustained by others on your business premises.
Why You Need General Liability Insurance
Legal Protection: Lawsuits can be costly and time-consuming. CGL insurance helps cover legal fees, settlements, or judgments, so you aren’t left paying out-of-pocket if someone sues your business.
Contractual Requirements: Many contracts require proof of general liability coverage before you can work with certain clients or partners. CGL policies help you meet these obligations.
Reputation Protection: A lawsuit can damage more than just your finances—it can impact your reputation. With proper coverage, you can resolve issues more quickly and focus on rebuilding trust with your clients and community.
Additional Options for Tailored Coverage
At Twin Creek Insurance, we understand that every business is different. That’s why we offer additional coverage options to tailor your policy to your specific needs. This might include:
Products Liability Coverage: If your business manufactures or sells products, this protects against claims that your product caused injury or damage after the sale.
Completed Operations Coverage: This is essential for businesses in construction or services, covering liabilities after work has been finished.
Premises Liability: This covers injuries or damage that occur on your business property, whether it’s a slip-and-fall accident or another mishap.
We will guide you through the process, ensuring that your business has comprehensive protection from the various risks it faces, while preventing gaps in coverage.
Why Choose Twin Creek Insurance?
At Twin Creek Insurance, we’re not just insurance providers—we’re your partners in protecting the business you’ve worked so hard to build. We’ll assess your unique risks and match you with a policy that ensures your business is protected from both common and unexpected challenges. Whether it’s crafting a policy to protect you from accidents, ensuring coverage for lawsuits, or customizing your coverage to match your needs, we’ve got you covered.
By partnering with us, you can focus on what you do best—growing your business—knowing that you’re well-protected no matter what comes your way. Reach out today to see how we can help safeguard your future with a tailored general liability insurance plan.