© 2011 Farmin Rothrock & Parrott Companies We Feature... © 2011 Farmin, Rothrock & Parrott, Inc Commercial General Liability Insurance Commercial General Liability (CGL) insurance is the most basic building block of most businesses’ insurance program. It is available by itself or as part of a Package policy that includes Property, Business Auto or other coverage. It is also included in the popular small business package known as a Business Owner’s Policy (BOP). The CGL provides your business protection in the event you are responsible for causing Bodily Injury or Property Damage to someone else. Examples could include your backhoe accidentally cutting through a phone cable, the paint you were applying to a house over-sprayed onto a car next door or someone getting hurt when they slip and fall on your recently mopped floor. In a Garage Liability policy, your mechanic might fail to tighten the oil drain plug and later the customer’s engine seizes up. Pages could be filled with possible scenarios, but the important fact is that the CGL first provides a Defense because even frivolous claims cost money when you have to hire an attorney. Then, if you did make a mistake and are found negligent, the CGL provides payment up to the limit of the policy for the other party’s damages. Damages from such a claim, especially one involving medical bills, can run into tens of thousands of dollars very quickly. Without proper insurance, a small business can be bankrupt in an instant. Whether you are starting a new business or would like to have an expert review your current coverage to make sure it is still adequate, contact us today. Farmin Rothrock & Parrott has been specializing in Business Insurance in the Inland Empire since 1922. We have the experience you need. Request a Quote for Commercial General Liability Insurance For Even Faster Service, Call Us Right Now! (509) 323-3232 8:00AM - 4:30PM Monday - Friday