What type of coverage do you need?

And it’s not what you think!


noun: the state of being responsible for something, especially by law: the partners accept unlimited liability for any risks they undertake.

Orlando, FL —Commercial General Liability, also known as CGL, is rarely at the top-of-mind of most business owners although it could save them from financial loss, time wasted  and terrible nightmares and headaches.

There are many routinely situations that may cause your business to be responsible for paying various costs, such as medical and legal expenses, as well as compensatory and punitive damages.

Garzor General Liability

To give you an idea:


• One of your most loyal customers falls on the floor and results injured.

• One of your employees accidentally leaves water running after finishing his job, causing substantial damage to a customer’s home.

• You will never see this one coming but it happens, when a class action lawsuit is filed against your business alleging advertisements constituted misleading information.

Liability suits happen very frequently! While it is extremely important to take as many precautions as possible, such as putting up preventive warning signs, preparing checklists for your employees and increasing security when crime has targeted your business. You need to make sure you have all bases covered and documented in order to prove you took responsible actions to prevent it. Otherwise, you’ll need to pay for all damages if you are found liable in court.


 Believe it or not, CGL coverage is one of Garzor’s most important insurance products given the high risk for businesses and the harmful consequences of a lawsuit. 


A CGL insurance policy should cover the costs of your legal defense and pay on your behalf all damages if you are found liable—up to the limits of your policy.


workers compensation and an employment practices liability insurance are  two other policies that mustbe considered for purchase since the standard CGL coverage is based on non-professional negligent acts. 




Coverage A: Bodily Injury and Property Damage Liability


Bodily injury and property damage coverage provides protection against losses from the legal liability of insureds for bodily injury or property damage to others arising out of non-professional negligent acts or for liability arising out of their premises or business operations. Mental injuries and emotional distress can be considered bodily injuries, even in the absence of physical bodily harm.


Coverage B: Personal and Advertising Injury


Personal and advertising injury liability protects an insured against liability as a result of certain offenses, such as:




False arrest

Infringing on another’s copyright

Malicious prosecution

Use of another’s advertising idea

Wrongful eviction, entry or invasion of privacy




Coverage C: Medical Payments 


Limited coverage for medical payments includes payments for injuries sustained by a non-employee caused by an accident that takes place on the insured’s premises or when exposed to the insured’s business operations. Medical payments coverage can be triggered without legal action. This provides for prompt settlement of smaller medical claims without litigation. It is included in the CGL policy and pays for all necessary and reasonable medical, surgical, ambulance, hospital, professional nursing and funeral expenses for a person injured or killed in an accident taking place at the insured’s premises or arising from business operations. 


There is no defense or legal liability coverage—as there is with bodily injury and property damage (Coverage A) and personal and advertising liability (Coverage B) —since coverage is provided on a no-fault basis.


According to Insurance Journal, the Top 10 Small Business Property and Liability Claims are: #1 Burglary and Theft; #2 Water and Freezing Damage; #3 Wind and Hail Damage; #4 Fire; #5 Customer Slip and Fall; #6 Customer Injury and Damage; #7 Product Liability #8 Struck by Object; #9 Reputational Harm and #10 Vehicle Accident.


There are other types of coverage for situations, not included in your standard general liability policy, you must include depending on the type of business you own. Among them: Directors and Officers Liability, Liquor Liability, Pollution Liability


Your local commercial insurance expert at Garzor will be pleased to guide you through your options and find the combinations that will provide you the most comprehensive protection for your business.

For personal insurance solutions visit our sister company Orlando Insurance Center

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