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Construction & Engineering

Commercial General Liability (CGL)

Covers bodily injury and property damage to third parties arising from your operations.

Overview

CGL is a broad policy that protects your business from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations, or your employees.

1Who needs this?

General Contractors
Service Providers
Manufacturers
Retailers

What it covers

  • Bodily injury to third parties
  • Property damage to third parties
  • Products-completed operations
  • Legal defense costs

What is NOT covered

  • Professional errors (requires PI)
  • Employee injuries (requires WC)
  • Intentional damage

Important Note: Coverage details, limits, and exclusions may vary depending on the specific policy terms, the insurer selected, and individual risk profiles. Always refer to the actual policy document for full terms and conditions.

Common Claim Scenarios

Pedestrian Injury

"A pedestrian tripped over a loose cable outside a construction site and sustained a broken leg. The CGL policy covered the medical expenses and the legal settlement."

Frequently Asked Questions

Does this cover my products?
Yes, CGL often includes Products Liability, but it's important to check the specific sub-limits.
Is CGL the same as Public Liability?
CGL is much broader. While Public Liability covers your premises, CGL covers your entire operations, including completed works.
Does it cover legal fees?
Yes, the policy typically covers the cost of defending your business in court, even if the claim is groundless.
What is 'Personal and Advertising Injury'?
This covers non-physical injuries like libel, slander, or copyright infringement in your advertisements.
Can I add 'Tenant's Liability'?
Yes, if you rent your office or warehouse, this covers damage you might cause to the landlord's property.

Other Insurance Solutions

Contractors All Risk (CAR)

Comprehensive protection for contract works, construction plant, and third-party liability.

Learn More

Erection All Risk (EAR)

Specialized for the installation of machinery, plant, and steel structures.

Learn More

Product Liability

For manufacturers, importers, and distributors against claims of injury or damage caused by products.

Learn More
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