Commercial General Liability (CGL) Insurance provides a financial safety net in case you're sued for an injury that occurred at your business, for damaging a visitor's property, or causing an advertising injury, such as slander, copyright violation, or libel.

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Your general liability insurance will pay for reasonable costs involved in your legal defense. This includes attorney, court, and expert witness fees. It also covers any financial losses you incur while participating in your defense. It also covers judgments and settlements related to your case, as well as the plaintiff's medical expenses.

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For cases of serious property damage or injuries, settlements and court judgments can easily bankrupt a small business. For this reason, general liabilty insurance is one of the most common insurance policies.