Why Every Business Needs Commercial General Liability and Property Insurance

Running a business comes with many risks — but the right insurance coverage can protect you from the unexpected. Two of the most essential types of coverage every business should consider are Commercial General Liability Insurance and Commercial Property Insurance.

What is Commercial General Liability Insurance?

Commercial General Liability Insurance (CGL) protects your business from financial loss if you're held responsible for property damage, bodily injury, or personal injury caused by your operations, products, or services. Without CGL insurance, one lawsuit could have devastating consequences for your company.

A Commercial General Liability policy typically covers:

• Third-party bodily injury (e.g., a customer slips and falls at your office)

• Property damage caused by your business

• Personal and advertising injury (such as libel or slander claims)

• Legal defense costs

Whether you run a retail store, a construction company, or a professional office, CGL insurance is a fundamental safeguard for your business.

Why You Also Need Commercial Property Insurance

While CGL protects against liabilities, Commercial Property Insurance protects your physical assets. Fires, storms, theft, and vandalism can cause major losses — and without property insurance, you could be left footing the bill.

Commercial Property Insurance typically covers:

• Buildings you own or lease

• Business equipment and tools

• Furniture and fixtures

• Inventory and supplies

Having Commercial Property Insurance means you can repair, replace, or rebuild after a covered loss, keeping your business operational.

Protect Your Business with the Right Coverage

In today’s environment, having both Commercial General Liability Insurance and Commercial Property Insurance is not just a good idea — it's critical. Together, these policies form a strong foundation for your risk management strategy, giving you peace of mind so you can focus on growing your business.

At Miller Insurance Brokers, we specialize in customizing insurance solutions for businesses across industries. Whether you’re just starting out or looking to review your current coverage, we’re here to help.

Contact us today for a free consultation and let’s build a plan that protects your business now and into the future.