Commercial general liability (CGL) is the foundational coverage for virtually every business. It protects against third-party bodily injury, property damage, and personal injury claims that arise from a business's operations, products, or premises. CGL is the most commonly placed commercial line and is required by most commercial contracts and leases.
The most common CGL limit structure is $1,000,000 per occurrence / $2,000,000 aggregate. Many contracts require this minimum. Higher limits ($2M/$4M) are common for larger operations, construction, and accounts with higher exposure. Products-completed operations is typically carried at the same aggregate as general liability.
Clients who need limits above $5M typically add a commercial umbrella policy on top of the underlying CGL.
A CGL submission requires two forms:
The operations description, subcontractor data, and class code information required for a CGL submission is difficult to collect because clients don't know what underwriters need. AgencyAssist sends clients a plain-English intake link that collects every piece of information needed for the application and GL sections of your submission summary in a single 8-minute form. Both sections are generated automatically and are ready to submit to the carrier. This is a custom summary, not an official ACORD form.
One client intake link. Your completed submission summary is generated automatically.