Business Liability Insurance

Commercial General Liability

Cincinnati’s commercial general liability insurance covers claims an insured becomes legally obligated to pay as damages because of covered bodily injury, property damage or personal and advertising injury, as well as medical payments coverage.

Our optional coverages and endorsements cater to the individual needs of your business and operations:

• Broadened Endorsements add and expand many common coverages and limits beyond our standard general liability form
• Automatic Additional Insured Status Endorsements help reduce your administrative work
• Bodily Injury Exceptions to the Pollutant Exclusion Endorsement protects your business from bodily injury to others caused by the substances used in your business
• Product Recall Coverage covers expenses associated with a recall of your product
• Worldwide Commercial General Liability Extension Endorsement protects your business when doing business in most parts of the world
• Employment Practices Liability Insurance protects your business from work-related claims such as wrongful termination and age or sex discrimination
• Sexual Misconduct Liability provides your business with legal liability coverage for damages because of injury arising out of sexual misconduct or sexual molestation
• Liquor Liability Coverage provides protection from exposures arising out of serving, selling, distributing and manufacturing alcoholic beverages.

Umbrella and Excess Liability

Cincinnati's commercial umbrella liability policy protects your business assets from large settlements or judgements arising from covered liability claims. With increased limits over your primary insurance coverage limits, your umbrella policy or excess liability policy financially protects you if a major covered loss occurs. They add an extra layer of protection, bringing strength to your insurance program.

You can count on your Cincinnati umbrella to pay covered losses on your behalf, including:

• pre- and post-judgment interest
• your actual loss of earnings and incurred expenses when you attend legal proceedings at our request

In addition, you’ll receive first-dollar defense on liability claims covered by your umbrella when:

• your primary insurance limits have been exhausted
• your umbrella provides broader coverage than your primary liability policies