General Business Liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the company's operations, products, or injuries that occur on company premises. There is no defense or legal liability coverage, as is the case with bodily injury and property damage (Coverage A) and personal and advertising liability (Coverage B), since coverage is provided on a no-fault basis. In the past, you could tell if you had personal injury and advertising coverage by looking at the limit on the returns page. A television ad that slanders a competitor would be considered both a personal injury and an advertising injury.
Personal and advertising injuries are often violations of the personal or intellectual rights of a person or company. For companies in industries such as marketing, website design and law, personal injury and advertising will be a component of your E%26O insurance policy and not your CGL policy. File a claim today to protect yourself against the costs of personal injury and advertising lawsuits. Your personal injury and advertising limit is different from other limits shown on your returns page.
Personal injury and advertising coverage will provide and pay the legal defense team to defend your brand in court, as well as pay damages for which you may be liable. A commercial general liability (CGL) policy protects your company from financial loss if you are liable for property damage or personal and advertising injuries caused by your services, business operations, or your employees. Personal injury is an act that violates the rights of a person or company, excluding bodily injury (physical harm). It's more commonly known as bodily injury and property damage (it covers injuries you cause to other people or damage you cause to another person's property).
Bodily Injury and Property Damage coverage provides protection against losses arising from policyholder's legal liability for bodily injury or property damage to third parties arising out of negligent non-professional acts or liability arising from their facilities or business operations. In legal terms, you might see bodily injury being included as a type of personal injury, but that's generally not the case in the insurance industry. Personal and advertising injuries are categories of damages for which general liability insurance and business owner's policies (BOP) provide coverage.
