What does Commercial General Liability (CGL) coverage primarily provide for businesses?

Commercial General Liability (CGL) coverage primarily provides businesses with liability coverage. This type of insurance is essential for protecting businesses from claims that may arise due to bodily injury or property damage that occur on their premises, or as a result of their operations. It covers legal fees, settlements, and any damages awarded for such claims, which are critical to ensuring a business's financial stability and ability to operate.

CGL coverage does not typically include property coverage, which is usually dealt with separately under commercial property insurance. It also does not extend to employee coverage, which is typically covered under workers' compensation insurance. Motor vehicle coverage falls under different types of policies, such as commercial auto insurance. Thus, the focus of CGL is squarely on liability, making it a vital component of a business's overall risk management strategy.