Commercial General Liability Insurance, also called commercial general insurance or general business insurance, is a commercial insurance form that protects business during liability issues. When your business is legally held responsible, general business form covers medical expenses, attorney fees, and damages such as property damage, or personal or advertising injury liability, regardless of who is responsible for the damage. Commercial and general insurance is one of the most popular commercial insurance forms sought after by business owners.

Commercial general liability covers three forms of liability exposures:

1. Premises and Operations Exposure -  a form that protects your business against claims for bodily injury and property damage related to the ownership and maintenance of the business premises, or as the result of commercial operations conducted both at and away from the premises.
2. Products and Completed Operations Exposure - a form protecting your business against claims for bodily injury and property damages that result from faulty products and completed operations performed by the business.
3. Indirect/Contingent Exposure - a form that protects your business if you are found liable for the negligent actions or work of independent contractors and subcontractors you hire.

The following 15 liability exposures are specifically excluded from coverage by Part A of the CGL:

• Expected or Intended Injury
• Contractual Assumptions
• Liquor Liability
• Worker's Compensation
• Employer's Liability
• Pollution Exclusion
• Aircraft, Autos, and Watercraft
• Off-road Motor Vehicles
• War Exclusion
• Care, Custody, and Control
• Damage to the insured's product arising from the product itself
• Damage to the Insured's work
• Property Damage / Liability
• Product Recall
• Employment Related Practices