Commercial General Liability (CGL)

  • Liability (BI & PD)

  • Personal Injury (PI) & Advertising Injury (AI): This covers injury other than “bodily injury”, arising out of one or more of the following offenses:

    • False arrest, detention, or imprisonment (shoplifting)

    • Malicious prosecution

    • The wrongful eviction from, wrongful entry into, or invasion of right of private occupancy of a room, dwelling, or premises that a person occupies, by or on behalf of its owner, landlord, or lessor (rent real property or someone who owns or operates hotel or motel)

    • Oral or written publication of material that slanders or libels a person or disparages a person’s or organization’s goods, products, or services.

    • Oral or written publication of material that violates a person’s right of privacy.

    • The use of another’s advertising idea in your “advertisement”.

    • Infringement upon another’s copyright, trade dress or slogan in your advertisement.

      • PI: Examples are slander, libel, invasion of privacy, false arrest, malicious prosecution, wrongful entry or eviction.

      • AI: This is personal injury caused by advertising, which includes slander, libel, and invasion of privacy, and also such things as copyright infringement or stealing someone’s advertising idea

    • Medical Payments: covers medical expenses without regard to fault when an accident arises out of the insured’s operations or occurs on or next to the insured’s premises. This does NOT cover injuries to an insured or a tenant or employee of the insured.

Please chat, call, text, or email us to discuss your particular business insurance requirements and options.


  • Professional Liability

  • Employment Practices Liability (EPL)

  • Commercial Auto

  • Earthquake

  • Flood


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