A Commercial General Liability (CGL) policy covers injury and damage that may be caused by the company's negligence. It's best to have an insurance agent, like Morgano Agency, that can review your policy to make sure you have the right coverage for your businesses risks in South Carolina.
Here are a few risks that a CGL would help cover:
- Liability for injury or damages that may occur on your property or due to your business operations.
- If you’re involved in a lawsuit, legal costs.
- Liability if you damage someone else’s property.
There are, however, some exclusions as well in a CGL policy:
- Faulty workmanship
- Liability from commercial vehicles.
- Losses arising from your employee’s injuries.
You may need to add separate business insurance policies for additional coverages like commercial auto, workers compensation or professional liability. Let a Morgano Agency specialist evaluate your business risks to make sure you are properly covered for your general liability needs in South Carolina.