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Commercial General Liability (CGL) insurance in the United States is a foundational type of business insurance that protects companies from a wide range of common liability risks. It’s often the first and most essential policy businesses purchase—especially those involved in construction, retail, services, or property ownership.
🔍 What It Covers:
A CGL policy typically includes protection against three major areas:
1. Bodily Injury and Property Damage Liability
Example: A customer slips and falls on your property, or your employee accidentally damages a client’s building during a job.
CGL covers medical expenses, legal defense, and settlement costs.
2. Personal and Advertising Injury
Covers claims like libel, slander, copyright infringement, or false advertising.
Example: A competitor sues you for defamation based on a marketing campaign.
3. Medical Payments
Pays for minor medical expenses for non-employees injured on-site—regardless of fault—to potentially avoid lawsuits.
Workers’ Compensation Insurance (often shortened to Workers’ Comp) in the U.S. is a legally required type of business insurance that provides wage replacement and medical benefits to employees who are injured or become ill due to job-related activities.
🔧 What It Covers:
✅ Medical Expenses
Doctor visits, surgeries, hospital stays, rehabilitation, prescriptions.
Example: An employee cuts their hand on the job and needs stitches—Workers’ Comp pays the bill.
✅ Lost Wages
Partial wage replacement while the employee is unable to work.
Usually a percentage of their average weekly wage (e.g., 66.67%).
✅ Disability Benefits
Covers temporary or permanent disability—whether partial or total.
Example: A back injury results in permanent limitations.
✅ Death Benefits
Pays out to dependents or family if a worker dies on the job.
Covers funeral expenses and survivor benefits.
✅ Legal Protection
If an employee sues, Workers’ Comp often limits employer liability, as the employee generally waives the right to sue in exchange for benefits.
We are a U.S. Ply, Inc. certified roofing contractor, delivering performance-driven solutions engineered to stand the test of time. Our certification reflects our commitment to quality, durability, and excellence in every roofing project we undertake
We are a certified member of the Houston Minority Supplier Development Council (NMSDC). This is our commitment to diversity, excellence, and reliability in every project we take on. This certification holds our company to deliver quality service with integrity and a dedication to supporting our Houston community.
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