Comprehensive general liability insurance (CGL) is a type of broad liability insurance that protects businesses from a wide range of liability exposures, including but not limited to liability claims related to products, completed operations, and independent contractors.
Most insurers no longer use the term because of the misleading nature of the word "comprehensive" and instead opt for the more accurate commercial general liability insurance.
Despite the best efforts of any company, accidents, negligence, and other wrongful conduct can lead to liability exposure in various ways in the process of conducting business operations, and this is why many opt for commercial general liability insurance to protect themselves against financial losses resulting from such lawsuits. Coverage often includes personal injury, bodily injury on the premises, damage to another party's property, advertising damages, and product liability. However, it typically excludes vehicle liability, pollution claims, professional liability, and contract disputes.