Commercial general liability insurance may address specified third-party bodily injury, property damage, or personal and advertising injury claims, subject to policy wording. It does not automatically cover every business risk.
What to understand first
Describe operations accurately, including locations, subcontractors, products, and customer interactions. Review limits, aggregates, exclusions, additional-insured requests, and how claims-made or occurrence wording applies if relevant.
Questions and trade-offs to consider
Coverage varies by form, endorsements, jurisdiction, and business activity. Professional services, employee injuries, autos, and cyber events often require separate analysis.
A practical next step
Gather contracts and a clear description of operations before a review. Ask a licensed business insurance professional which exposures require separate policies or endorsements.
Take the next step
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