Does General Liability Cover Negligence?
Often, for covered bodily injury or property damage caused by a negligent act; professional services and other excluded risks need separate coverage.
CGL may cover negligence that causes covered bodily injury or physical property damage to someone else. Negligence alone does not trigger coverage: the loss must meet the policy terms, and professional errors, employee injuries, auto accidents, and property in your care may be excluded or handled by another policy.
Check the claim allegations, exclusions, limits, and endorsements. Report a demand promptly and ask the insurer which coverage part applies.
Related Coverage
Sources
- Commercial general liability insurance. Insurance Information Institute; What commercial general liability insurance covers; Coverage A, B and C; Additional liability coverages to consider. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.
