Commercial General Liability / Business Liability Insurance

Another coverage afforded under CGL policies is personal and advertising injury.
This coverage protects you in the event of a claim arising in connection with the insured’s advertising of its goods and services and protects against libel, slander, invasion of privacy, copyright infringement and misappropriation of advertising ideas.
When a liability claim is brought against a business, sometimes the legal costs associated with it are just as much or more than the claim itself. How your policy handles these legal costs could greatly impact your business.
If defense costs are “inside” the liability limit, which means whatever the insurance carrier spends defending you is subtracted from the liability limit reducing what may be available to pay a claim. If defense costs are “outside” the liability limit, they are in addition to the limit of liability in your policy.