Commercial General Liability – protects business owners against claims of liability for bodily injury, property damage, and personal and advertising injury (slander and false advertising). Premises/operations coverage pays for bodily injury or property damage that occurs on your premises or as a result of your business operations. Products/completed operations coverage pays for bodily injury and property damage that occurs away from your business premises and is caused by your products or completed work.
Excess liability insurance pays for covered losses that exceed your CGL policy's dollar limit.
Umbrella liability insurance is excess liability insurance coverage above the limits of automobile liability and CGL policies. The umbrella policy also provides liability coverage for exposures not covered under the primary CGL insurance policies and not excluded by the umbrella liability insurance policy.
Medical Payments – This is a type of no-fault coverage for bodily injury. No-fault insurance is designed to be good will coverage in which fault doesn’t have to be proven in order to pay for damages resulting from bodily injury claims. It is designed primarily to protect the insured and insurer against lawsuits for negligence. Medical payments to others, as the name implies, is not insurance for the policyholder or employees. Employees are always insured through workers compensation. Similar to medical payments on a homeowner’s policy, this coverage part of the CGL extends certain benefits to a person injured on your premises or as a result of your day-to-day business operations. These benefits include necessary surgical, medical, and dental services as well as funeral expenses if death results from the claim.