Commercial General Liability Insurance in Kentucky & Tennessee

Protecting Your Business from Everyday Risk and Claims

Every business in the London, KY, Tri-County area, regardless of size or industry, faces the risk of claims from third-party bodily injury or property damage. Commercial General Liability (CGL) Insurance is your foundational defense, providing essential protection against the most common and expensive claims that can arise during normal operations. At London Insurance Agency, we are dedicated to securing your business's financial health, drawing on our more than 100 years of experience serving the local commercial community.


As independent agents, we are uniquely positioned to offer a broad range of CGL coverage options from multiple top-rated providers. Our partnership with the Keystone Insurers Group provides us with the depth of resources and expertise necessary to tailor a robust liability solution, even for businesses in complex industries. Our licensed professionals are here to break down the details, explain your options, and give you the knowledge you need to make informed decisions about your company’s protection.

Core Components of CGL Coverage

CGL is a critical policy that provides financial security against liability claims that can arise from your premises, operations, or products.

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Bodily Injury and Property Damage: Covers the costs of legal defense, settlements, or judgments if a non-employee is injured on your premises or if you or your employees cause accidental damage to someone else's property.

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Personal and Advertising Injury: Provides coverage for non-physical claims, such as libel, slander, copyright infringement in your advertising, or false arrest.

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Medical Payments: Pays for minor medical expenses of an injured non-employee who is injured on your premises, regardless of who is at fault, helping to avoid costly lawsuits.

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Products-Completed Operations: Coverage for liability arising from your products or from work you have completed after it has been finished and the customer has taken possession.

Tailored Liability for Local Enterprises

While CGL is comprehensive, it does not cover all liability risks. Our experienced agents will guide you in assessing your exposure and integrating other necessary policies, such as Business Auto for company vehicles, Errors & Omissions (E&O) for professional services, or a Commercial Umbrella to add an extra layer of protection over your CGL limits. We ensure you have a tailored plan that truly fits you.


We advocate on your behalf, handling communications with the insurance companies to make sure your liability coverage fits your evolving needs as your business grows. This hands-on, local support is a key differentiator of our service. Our goal is to do the legwork so you can focus on running and growing your business with the security of knowing your liability risks are professionally managed.

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Leveraging the Strength of Our Network

Through our independent structure and Keystone Partnership, we tap into a nationwide network of independent agencies. We benefit from shared knowledge and best practices from some of the brightest minds in the industry, allowing us to deliver superior solutions for your commercial liability needs. This collaboration ensures we can deliver solutions for even the most complex industries, helping you secure your assets and future in London, KY.

FAQS

FAQ for Commercial General Liability

  • Does my CGL policy cover the work I do, or just accidents on my premises?

    Your CGL policy covers both; it covers third-party bodily injury or property damage that occurs on your premises and liability arising from your completed work or products under the Products-Completed Operations section.

  • Is a lawsuit over a mistake I made in my professional advice covered by Commercial General Liability?

    No, CGL does not cover professional mistakes, negligence, or failure to perform. That type of risk requires a separate policy called Errors & Omissions (E&O) insurance.

  • If I get sued, does the CGL policy pay for my legal defense?

    Yes, one of the most valuable aspects of CGL insurance is that it provides coverage for the cost of legal defense, even if the claim or lawsuit brought against your business is ultimately proven to be baseless.

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