Commercial General Liability Insurance

overview

Foundational Liability Protection for Hospitality Businesses

Commercial general liability (CGL) insurance helps protect hospitality businesses from claims involving bodily injury, property damage, and personal injury related to day-to-day operations.

Hospitality Insurance Group offers commercial general liability insurance designed specifically for hospitality businesses, with coverage that reflects both on-premises and off-premises exposures common in the industry.

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General Liability Coverage Built for Hospitality

Hospitality Insurance Group’s general liability policy provides broad underlying coverage for businesses operating in high-traffic, customer-facing environments:

Restaurants

Bars

Liquor Stores

Caterers

Other Hospitality Operations

Our CGL policy includes protection for on-premises exposures, off-premises exposures and everyday operational liability risks.

General liability coverage also serves as a foundation for higher limits through excess liability insurance.

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Coverage for Special & Temporary Events

Commercial general liability coverage is also available for special and temporary events, offering protection for short-term exposures related to hosted events, gatherings, and functions.

For events involving alcohol service, general liability coverage may be paired with liquor liability insurance for more complete protection.

Combined Coverage & Cost-Saving Opportunities

Discounts are available for businesses that purchase both liquor liability and commercial general liability coverage through Hospitality Insurance Group. Bundling these policies not only simplifies coverage management, but may also reduce overall premium costs.

A general liability assault & battery endorsement may be available for businesses that carry both policies, subject to underwriting guidelines.

Optional Coverages & Endorsements

Hospitality Insurance Group offers several optional coverages that can be added to a general liability policy to better match specific operational needs:

Hired & Non-Owned Auto Liability

Available for businesses without valet parking or delivery services.

Additional Insured Endorsements

Commonly required by landlords, venues, or contract partners.

Employment Practices Liability (EPL)

Helps protect against certain employment-related claims.

benefits & discounts

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Who Should Consider Commercial General Liability Insurance?

Operate customer-facing premises

Host events or public gatherings

Employ staff

Want foundational liability protection that can be expanded with excess coverage

Get a Quote or Learn More

To learn more about commercial general liability insurance or to request a quote, please contact your local independent insurance agent or reach out to Hospitality Insurance Group directly.

call

877-366-1140

(toll-free)