Design - General Liability

Commercial General Liability (CGL) coverage is intended to dovetail with your professional liability policy with each policy picking up where the other leaves off.  It is part of a standard package of insurance coverage for a design firm and is very broad in nature. Coverage includes bodily injury liability and property damage liability exposures either at your office location (whether owned, rented or home office) and off-premises (at job sites, project meetings, client offices, etc.).  For most design professional firms, this coverage is offered as part of a Business Owners Policy which packages property insurance with general liability coverage.

The basic exposures of the named insured covered by the CGL policy forms include:

  • Ownership, maintenance or use of the premises
  • Operations conducted or performed on or off the premises
  • Written contracts and agreements (limited contractual liability coverage)
  • Completed operations
  • Personal injury
  • Advertising injury