Commercial General Liability

Commercial General Liability Insurance Solutions

At Total Risk Managers, we provide comprehensive Commercial General Liability (CGL) insurance solutions to shield businesses from the financial burdens of third-party claims. CGL coverage is essential for businesses of all sizes, from startups to multinational corporations, offering protection against risks that could disrupt operations, harm reputation, or lead to significant financial losses.

Comprehensive Protection for Your Business

Our CGL insurance offers robust protection against key liability exposures:

Bodily Injury

Covers medical expenses, legal fees, and settlements for injuries sustained by third parties due to your business operations. For instance, if a customer slips and falls on your premises, this coverage ensures their medical needs are met and your legal costs are covered.

Property Damage

Protects against claims for accidental damage to a third party’s property caused by your business. For example, if your employees damage a client’s property during installation or service delivery, this coverage ensures that repair or replacement costs are handled.

Personal and Advertising Injury

Includes protection against claims of libel, slander, defamation, or intellectual property infringement related to your advertising materials or business communications. This ensures your business can defend itself against reputational risks.

Products and Completed Operations Liability

Covers claims arising from injuries or damages caused by products you manufacture, distribute, or sell, as well as services you have completed. For businesses producing goods or offering technical services, this is a critical safeguard.

Contractual Liability

Provides coverage for liabilities assumed under contracts, ensuring your business meets its contractual obligations without undue financial strain.

Fire Legal Liability

Covers damages to rented premises caused by fire or other covered perils, protecting businesses that lease commercial spaces.

Enhanced Benefits with Total Risk Managers

Our Commercial General Liability solutions include:

Flexible Coverage Limits: Offering a range of coverage limits tailored to meet the specific size and needs of your business, from small operations to large-scale enterprises.
Worldwide Coverage Options: Ideal for businesses with international operations, ensuring liability protection across borders.
Additional Insured Provisions: Allows you to extend coverage to stakeholders, such as landlords or contractors, enhancing business partnerships and compliance.
Legal Defense and Settlement Costs: Includes not only coverage for damages but also legal defense costs, even for claims that are ultimately found to be baseless.

Why work with us

Global Reach

Our extensive network ensures access to top-tier coverage and capacity, wherever your operations take you.

Industry Expertise

Decades of experience and deep insight into the unique challenges faced by complex and high-stakes industries.

Customized Solutions

Every policy is carefully tailored to meet the precise needs of your specific project, operation, or enterprise.

Proactive Risk Management

We help you anticipate and mitigate potential risks before they become critical issues.

Secure Your Business's Future

Liability risks are an inevitable part of running any business, but they don’t have to derail your success. At Total Risk Managers, we empower you with CGL solutions that protect your operations, reputation, and bottom line, giving you the confidence to focus on growth.