Commercial General Liability (CGL)

Commercial General Liability (CGL) insurance is the core liability policy every subcontractor needs. It covers bodily injury and property damage caused by the insured's operations, products, or completed work. A standard CGL policy has a Per Occurrence limit (the most paid for one incident), a General Aggregate limit (the total paid across all claims per year), and a Products-Completed Operations Aggregate (claims from work already finished). Typical construction minimums are $1M per occurrence and $2M aggregate. The CGL is where Additional Insured, Primary and Non-Contributory, and Waiver of Subrogation endorsements all attach.