General Liability
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Commercial General Liability
Commercial General Liability insurance, also known as CGL, is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations, and advertising and personal injury (PI) liability. The CGL policy was introduced in 1986 and replaced the “comprehensive” general liability policy.
Program Highlights
- Occurrence Form
- Policy numbers in less than 20 minutes
- New Ventures Accepted
- Payroll Based Rates
- Financing Available
- Lapses in Coverage accepted
Classes Written
- A/C and Refrigeration
- Air Conditioning Systems Installation
- Appliance and Accessories Installation – No dishwasher work
- Carpentry (Interior/Woodwork/Shop)
- Concrete (Flat)
- Concrete (Foundations) – Commercial work only, no foundation repair
- Debris Removal – Demo work is allowed with a Bobcat or similar machinery
- Door & Window Installation
- Drywall
- Fencing
- Floor Covering Installation
- Garage Door Installation
- HVAC
- Janitorial
- Landscaping – Any tree trimming must be performed from ground or ladder
- Handyman
- Masonry
- Painting Interior/Exterior
- Sheet Metal
- Siding and Decking
- Tile and Marble Installation
- General Contractor
- Water Drilling
- Grading
- Metal Erection
- Insulation
- Water/Sewer Mains
- Septic Install
- Plumbing
- Prefabricated Homes
Additional Coverage Options / Endorsements
- Blanket Per Project Aggregate
- Blanket Additional Insured – Completed Operations / CG2037 Equivalent
- Blanket Your Work – 1185 Equivalent (Commercial Work Only)
- Blanket Waiver of Subrogation
- Blanket Primary/Non-Contributory Wording
- Buildings and Structures Exceeding 3 Stories (Exterior)
- Schools & Recreation Facilities
- Heating Devices
- Hospital Work
- Additional Insured Endorsements for HOAs
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