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 Hawaii, 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 defend the insured against lawsuits related to covered claims and to indemnify, or compensate, the insured for any settlements or court judgments. However, CGL policies in Hawaii, as elsewhere, have exclusions and do not cover all business risks, such as professional liability, auto accidents, workers' compensation, or intentional acts. The specific scope of coverage and exclusions will be detailed in the policy itself. Hawaii's state statutes and regulations, along with federal law, govern the interpretation and enforcement of these insurance policies, and case law in Hawaii also provides guidance on how these duties are carried out by insurance companies.