Commercial General Liability

Being in Business is Risky. Be prepared.

Looking for Commercial General Liability Insurance in Davie?

Are you a business owner in Davie looking for Commercial General Liability (CGL) Insurance? Our agency has you covered. It only takes one claim to financially cripple your business, so it’s important that you have adequate coverage from a highly rated carrier.

At it’s core, General Liability Insurance (a.k.a. CGL for Commercial General Liability) is the most basic form of commercial liability coverage. If you own a business, having General Liability coverage is not optional — it’s mandatory.

At The Bunker Insurance & Risk Management, we represent a wide range of General Liability Insurance companies in Florida and can help pair your business type with the best possible provider and pricing.

What does Commercial General Liability Insurance Cover?

Business is inherently risky, but General Liability insurance protects against many known and unknown risks.

Simply put, CGL guards you, your business and your employees from claims involving bodily injury or property damage born out of your business operations. These policies cover the expense of out-of-court settlements, litigation and judgments awarded by courts. Often times CGL is paired with BPP (Business Personal Property) coverage in a BOP (Business Owners Policy).

Here are a few things you can expect General Liability Insurance to cover:

Lawsuits, investigations, and settlements
Injury damages
Advertising/Copyright claims

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What's Involved in Getting a Commercial General Liability Quote?

With any type of insurance there are certain underwriting and eligibility questions that must be answered in order for the insurance company to determine what the final rating will be.

Our agency will guide you through the process and make it easy. Many times companies will require you to show them a certificate of insurance before you can do work for them.

This proves to them that you have active insurance coverage, which is typically a requirement if you’re running a business in most states.

If you’re confused by any of this don’t worry, we’ll make the process easy. Give us a call and we can help you get the process started when you’re ready.

Commercial General Liability FAQs

Are Professional Errors Covered Under my Commercial General Liability?

No.

Commercial General Liability will not cover faulty workmanship, or the wrong advice provided by you or any of your employees. This is covered under your Professional Liability Insurance.

What Factors Influence the Cost of Commercial General Liability?

Things like location, your industry, how many employees you have, your gross sales, prior claims.

One thing that will also have a premium impact is what extra coverages you are required to have due to your contractual obligations. If you need special language, or particular endorsements there is usually an extra charge depending on the insurance company.

What are the Most Common Coverage Endorsements on CGL Policies??

Additional Insured - extends Commercial General Liability to a third party (e.g., a subcontractor) and helps protect them against related lawsuits.
Waiver of Subrogation - is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party.
Primary & Non- Contributory -this endorsement means that the contractor's policy must pay before other applicable policies (primary) and without seeking contribution from other policies that also claim to be primary (noncontributory)

Is Commercial General Liability the Same as a General Liability Policy?

The answer is NO. General liability insurance covers liability to third parties, like your clients and others, not your employees. On the other hand, Commercial General Liability covers legal defense costs if someone sues you for property damage, advertising injury and bodily injury.

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