What CGL generally addresses
Commercial general liability insurance commonly responds to covered claims alleging third-party bodily injury, property damage, personal injury or advertising injury arising from business operations. Policies may also include products-completed operations and tenants’ legal liability, subject to wording and limits.
CGL 通常保障什麼？
商業綜合責任保險通常可應對因企業經營活動引起的第三方人身傷害、財產損失、人格侵權或廣告侵權索賠。根據保單條款及保額，還可能包括產品及完工責任、承租人法律責任等保障。
Simple example
A visitor slips in a business premises and alleges the business failed to maintain a safe area. A CGL policy may respond to covered defence costs and damages. Whether it responds depends on the facts, exclusions, deductible and policy wording.
簡單示例
訪客在營業場所滑倒，並指稱企業未能保持環境安全。若屬於承保範圍，CGL 保單可能承擔相關抗辯費用及賠償。是否獲得保障仍取決於事實、除外責任、自付額及具體保單條款。
What it is not
CGL is not a substitute for professional liability, commercial auto, employment practices, cyber, directors and officers, or property insurance. Intentional acts and many contractual obligations may also be excluded.
CGL 不包括什麼？
CGL 不能替代專業責任、商業汽車、僱傭行為、網絡風險、董事及高管責任或商業財產保險。故意行為及許多合同責任也可能不在保障範圍內。