What is Commercial General Liability Insurance?

Commercial General Liability provides Liability coverage for bodily injury and property damage arising from accidents on premises, business operations in progress, products manufactured or sold, and completed operations. Bodily Injury includes sickness or disease and death in addition to accidental injuries (Bodily Injury coverage does not apply to the insured's employees. If a contractor has employees, he must carry Workers' Compensation insurance to protect them). Property Damage applies only to claims from damage to tangible property or loss of use of tangible property not damaged.