Comprehensive general liability insurance

What’s the difference between comprehensive general liability insurance and commercial general liability insurance?

They really mean the same thing. Insurance companies no longer use the term “comprehensive” when referring to general liability coverage, to make sure their customers better understand what’s included.

Commercial general liability insurance covers third-party liability claims such as customer injuries, damage to a customer’s property, product liability, and claims of defamation or copyright infringement. This is typically the first kind of insurance policy a new business will purchase.

This is not the same as professional liability coverage, which refers to the quality of work a company provides. Such policies are often used by law firms, financial advisors, and consultants.

For more comprehensive coverage, a new business might consider other types of insurance:

• Commercial property insurance covers the business property itself. These policies are often combined with a commercial general liability policy to receive a discount on premiums.
• Cyber liability insurance for protection against data breaches and cyberattacks.
• Product liability insurance, in case one of your products injures a customer or damages their property.
• Hired and non-owned auto insurance (HNOA) for vehicles your business uses but doesn’t own, such as an employee who makes deliveries in their own car.
• Liquor liability, usually required for a liquor license. It protects against risks associated with serving alcohol.

Complete Insureon’s easy online application today to compare general liability insurance quotes from top-rated U.S. companies. Once you find the right policy for your small business, you can begin coverage in less than 24 hours.