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Commercial General Liability Insurance

What is Commercial General Liability Insurance?

Commercial General Liability Insurance is your foundational liability policy that covers third-party bodily injury, property damage, personal injury, and advertising injury claims arising from your business operations, premises, products, and completed work. 

 

It is the backbone of your liability protection.

Why it Matters for Manufacturers

CGL insurance protects you from the everyday risks of running a manufacturing business—a visitor injured in your facility, a product that damages customer property, or a lawsuit over your advertising. 

 

Without it, a single lawsuit could drain your business assets and personal wealth. Most contracts require you to carry CGL coverage, and many lenders will not finance equipment without it. This is non-negotiable protection that every manufacturer needs from day one of operations.

 

CGL Coverage vs. Lawsuit Cost Calculator

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Typical limits: $1M, $2M, or $3M per occurrence
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What you currently pay per year for CGL coverage
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Average bodily injury or property damage claim (settlement + legal fees)