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Commercial General Liability Insurance

Commercial General Liability Insurance

Heartland Credit Union has partnered with Newtek Insurance Agency, LLC to provide you with the right insurance coverage at the right prices. Newtek offers insurance products in all fifty states. Our programs are underwritten by multiple carriers who have been afforded A.M. Best “A” ratings. Newtek’s licensed agents, are available to discuss your needs and provide options to protect you business at affordable costs.


Why You Need Commercial General Liability Insurance?

General Liability policies are the most common business liability policies purchase. As the name implies, these policies cover “general” liability. More specific types of liability such as automobile liability, aircraft liability, or professional liability are covered under specialized liability policies. Many vendors will require evidence of coverage before doing business with you.

General liability policies generally cover the tort legal liability of your firm for bodily injury to others and for damage to the property of others. The policy format is similar to an “all risk” property policy in that the policy covers what it does not exclude. In other words, the policy starts with a basic insuring agreement and then coverage can be added based on the specific business needs.

Common CGL Coverages

Premises and OperationsCovers for liability arising from your premises or operations in progress, on or off your premises.
Products/Completed Operations
Covers for liability for injury or damage caused by your products or by your completed work.
Personal Injury
Covers unintentional slander, libel, false arrest or wrongful entry.
Advertising Injury
Covers unintentional slander; libel; infringement of copyright, trademark or slogan arising from your company’s advertising, as long as you are not in the advertising business.
Independent ContractorsCovers your liability for bodily injury or property damage arising out of work done for you by an independent contractor. Coverage is not provided for the contractor, who should have its own insurance.
Contractual LiabilityThe CGL policy provides certain coverage for bodily injury and property damage liability assumed under an insured contract.
Host Liquor Liability
Covers liability arising from serving liquor at a business function.
Medical Payments
Pays the medical bills of non-employees (for example, a customer falls on your premises) without actually establishing your legal liability. This coverage functions as a goodwill gesture, intended to avoid litigation.
Fire Damage Legal Liability
Covers your liability for fire damage to leased or rented premises that your company occupies.

Request an insurance quote today

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