General Liability Insurance

Coverage for third-party injury, property damage, and related business exposures.

General Liability Insurance, also known as Commercial General Liability (CGL), provides coverage for certain third-party claims that may arise during normal business operations. This policy is a common component of an organization’s overall risk management framework, regardless of company size or location.

What General Liability Insurance Covers

A general liability policy can provide coverage for:

• Bodily injury — such as a customer slip-and-fall on business premises.
  
• Property damage — for instance, accidental damage to a client’s property during work.
  
• Personal and advertising injury — including certain claims of libel, slander, or copyright infringement.
  

Coverage terms, limits, and exclusions vary by policy and insurer. Businesses should review these carefully to confirm how they apply to their operations.

What Is Not Covered

General liability insurance does not extend to every exposure. It generally excludes:

• Employee injuries, which are typically addressed under Workers’ Compensation Insurance.
  
• Professional services or advice, which fall under Professional Liability (Errors & Omissions).
  
• Intentional or contractual liabilities, unless specifically endorsed.
  

Because of these limitations, many organizations combine general liability with other policies such as Commercial Property Insurance, Business Interruption Insurance, or Cyber Liability Coverage within a broader commercial package or Business Owners Policy (BOP).

Factors That Influence Coverage Structure

When evaluating a general liability policy, businesses often consider:

• The size, location, and scope of operations
  
• Industry-specific risk exposures
  
• Contractual requirements and client obligations
  
• Prior claims experience
  
• Selected policy limits and deductibles

General liability can be written as a standalone policy or integrated within a comprehensive business insurance program.

Mason-McBride’s Approach

Mason-McBride operates as an independent insurance agency, collaborating with multiple carriers to review available general liability coverage options.
Our role includes:

• Explaining policy structures and key definitions in plain language
  
• Comparing coverage terms across insurers and industry sectors
  
• Coordinating related policies such as property, umbrella, or cyber liability
  
• Providing ongoing review to ensure coverage remains aligned with evolving business activities
  

This consultative process supports informed decision-making for business owners and risk managers.

Request a Liability Insurance Proposal

Organizations reviewing general liability insurance or seeking to understand available options can request a consultation using the form below.
A member of the Mason-McBride team will outline coverage structures, insurer considerations, and next steps for evaluation.