Every business faces the threat of claims and lawsuits for damages arising from its acts or omissions in conducting its operations. The fundamental protection for this exposure is commercial general liability (CGL) insurance. CGL insurance covers an organization against liability for bodily injury or property damage surfacing from its premises and operations, its products, or its completed work. CGL insurance also protects the insured’s liability for “personal and advertising injury” offenses, such as libel, slander, false arrest, and invasion of privacy.

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