General Liability

Even in the most well-run businesses, accidents happen. Whether these incidents result in damage to others’ property, bodily injuries to visitors, or both, they can be costly for businesses to deal with. As such, it is important for your business to be covered for a variety of possible risks.

A Commercial General Liability (CGL) policy protects your business from financial loss should you be responsible  for property damage, bodily injury, or personal and advertising injury caused by your business operations. Simply put, a CGL policy casts a wide net of protection for you and your business by covering various liabilities such as:

  • A customer that slips and falls in a wet puddle from another patron spilling their drink sues you for their medical bills and suffering, claiming that your staff didn’t clean it up in a timely manner.
  • A server drops a keg on a customer’s foot while loading it into their vehicle.
  • A delivery contractor rests their arm on a piece of equipment, and they receive a severe burn when steam is released.
  • Over a holiday weekend, a pipe from brewing equipment leaks, and the water damages the walls and flooring of a neighboring business.