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Understanding Comprehensive General Liability Insurance: A Guide for Insurance Brokers
Protecting your clients from accidents and liabilities is crucial. Learn how Comprehensive General Liability Insurance can provide the coverage they need with our guide for insurance brokers.

As an insurance broker, it’s important to have a deep understanding of the insurance products you offer to your clients. One such product is Comprehensive General Liability (CGL) insurance. CGL insurance provides liability coverage to businesses for bodily injury and property damage claims arising from their operations, products, or services.

At CHES Special Risk, we offer comprehensive general liability insurance coverage tailored to the unique needs of your clients. Our coverage includes bodily injury and property damage liability, personal and advertising injury liability, and medical payments coverage.

1. Bodily Injury and Property Damage Liability Coverage Insurance protect your clients against claims arising from accidents on their premises or due to their business operations. For instance, if a customer slips and falls in your client’s store and gets injured, their CGL insurance can cover medical expenses and legal fees that may result from the incident.

2. Personal and Advertising Injury Liability Coverage protects your clients against claims of defamation, libel, and infringement of intellectual property rights. This coverage is especially important for businesses that engage in advertising and marketing activities.

3. Medical Payments Coverage provides coverage for medical expenses incurred by third parties who are injured on your client’s premises or as a result of their business operations. This coverage can help mitigate the financial burden on your clients, should any injuries occur.

It’s important to note that CGL insurance doesn’t cover all types of liabilities. For example, it doesn’t cover claims arising from professional services or product defects. For these types of risks, your clients may need to purchase additional insurance coverage, such as professional liability insurance or product liability insurance.

As an insurance broker, it’s your responsibility to help your clients understand the scope of their coverage and identify any potential gaps in their insurance program. You can do this by conducting a thorough risk assessment of their business operations and recommending insurance products that can help mitigate their unique risks.

CHES Special Risk

At CHES Special Risk, we believe that insurance brokers play a critical role in helping small businesses find the right insurance coverage. We work closely with brokers to provide them with the support and resources they need to help their clients make informed decisions about their insurance coverage.

We recognize that every business is unique and has its own set of risks and liabilities. That’s why we offer tailored insurance solutions that can be customized to meet the specific needs of your clients. Our team of experts can help you navigate the complex landscape of insurance coverage and provide you with the tools you need to help your clients succeed.

In conclusion, CGL insurance is an essential product for businesses of all sizes. As an insurance broker, it’s your responsibility to help your clients understand the scope of their coverage and identify any potential gaps in their insurance program. At CHES Special Risk, we offer comprehensive general liability insurance coverage that can be tailored to meet the unique needs of your clients. Contact us today to learn more about our insurance solutions for small businesses.