Commercial general liability (CGL) insurance is a type of insurance policy designed to provide broad coverage to businesses for bodily injury claims, property damage, and advertising and personal injury liability. CGL insurance is considered comprehensive business insurance, but it does not cover all of the risks a business may face. When a claim is covered by the insurance policy, the insurance company generally has two duties to the insured (business): the duty to defend the insured by hiring a lawyer to represent the business, and the duty to indemnify the insured, by paying to settle the claim or paying any judgment from a court or arbitrator.

In Colorado, Commercial General Liability (CGL) insurance is a standard form of insurance that provides coverage to businesses for various liabilities, including bodily injury, property damage, and personal and advertising injury. The policy typically obligates the insurer to perform two main duties when a claim falls within the scope of the policy coverage: the duty to defend and the duty to indemnify. The duty to defend requires the insurer to hire an attorney to represent the business in legal proceedings related to the claim. The duty to indemnify involves the insurer paying to settle the claim or paying any court or arbitration judgment against the insured business. However, CGL policies do not cover all risks, and exclusions may apply. Businesses often need to consider additional or specialized insurance policies to cover professional liability, employment practices, or other specific risks not covered under a standard CGL policy. Colorado state statutes and regulations, along with the specific terms of the insurance policy, will govern the interpretation and enforcement of these insurance contracts.