Under commercial general liability insurance, claims arising from bodily injury, property damage, and personal injury are typically covered. This includes claims for slips and falls, damage to property caused by the insured’s negligence, and libel or slander.
However, it is important to note that commercial general liability insurance policies may contain limitations or exclusions, such as intentional acts or certain types of professional services. It is important for businesses to carefully review their policy and discuss any potential limitations with their insurance agent or broker.
If an insured faces a claim that may fall under their commercial general liability insurance, they should promptly notify their insurance company and provide all necessary information to the insurer. The insurer will then investigate the claim and work with the insured to resolve the matter if coverage applies.
If coverage is denied or if the limits of the policy are insufficient to cover the claim, the insured may need to seek legal advice to explore other options, such as negotiating a settlement with the claimant or pursuing litigation.
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