Commercial general liability (CGL) insurance—also known as general liability insurance (GLI) or business liability insurance—helps protect your business from claims of bodily injury and property damage.

What Does Commercial General Liability Insurance Cover?

Commercial general liability insurance helps cover your costs to respond to a claim that your business caused property damage or bodily injury. It can help pay for:

• A customer or client’s medical expenses if they slip and fall in your business.

• Reputational harm resulting from malicious prosecution, slander, libel, wrongful eviction, or violating a person’s privacy.

• Advertising injuries, such as copyright infringement from your business’ advertisements or social media activity, or trademark infringement when marketing your business’ products or services.

• False arrest or imprisonment if your business wrongfully detains a person suspected of shoplifting, for example.

• Medical costs if your customer or client hurts themselves while visiting your business.

• Damage to rented property caused by a covered loss such as fire, lightning, or explosion.

• Repair costs to fix a wall that your employee accidentally damaged while working at a customer’s home or bodily injuries to a child caused by a harmful substance your employee did not properly dispose of.

• Legal costs to defend your business in a lawsuit.

• Judgments and settlements from a customer or client’s lawsuit.

In Oklahoma, Commercial General Liability (CGL) insurance is designed to protect businesses from a variety of claims including bodily injury, property damage, and personal and advertising injury that may arise from the business operations. For instance, if a customer slips and falls on the premises, CGL insurance can help cover their medical expenses. It also covers reputational harm, such as slander or libel, and advertising injuries like copyright or trademark infringement. Additionally, CGL insurance can provide coverage for incidents such as false arrest or imprisonment, and damage to rented property. It can also help with the costs associated with repairing accidental damage caused by employees and legal defense costs in the event of a lawsuit. The specific coverage details and policy limits will depend on the individual insurance policy. Oklahoma businesses are encouraged to consult with an attorney or an insurance agent to ensure that their CGL insurance meets their specific needs and complies with any applicable state regulations.