Commercial General Liability

Shield your business from everyday risks.

Protect against lawsuits, injuries, and property damage with essential liability coverage.



Commercial General Liability is one of the most important ways to protect your property, assets, or business. At The Lapeer Agency, we help clients across Michigan find insurance options that work for their needs and budgets. With nearly a century of experience and access to multiple carriers, we deliver solutions that are tailored—not templated. Whether you’re exploring new policies or reviewing existing coverage, we make the process easy and informed. We take time to explain the details, answer your questions, and recommend options that offer lasting peace of mind. Our local agents are here to help you make confident, well-supported decisions every step of the way. Let’s get you covered the right way.

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What This Insurance Can Cover

This foundational coverage protects your business against third-party claims. These are the primary areas a general liability policy addresses:

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Premises Liability

Protects against claims if someone is injured on your property.

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Product Liability

Covers legal and medical costs if your product causes harm.

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Advertising Injury

Covers you if you're accused of slander, libel, or copyright infringement.

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Medical Payments

Pays for minor injuries that occur on-site, regardless of fault.

Frequently Asked Questions

Here are a few of the most Commercial General Liability questions we hear from Michigan clients.

  • Is CGL insurance required?

    It may not be required by law, but many landlords, clients, and contracts do require it.

  • Does it cover employee injuries?

    No—employee injuries are covered by workers' compensation. CGL protects against third-party claims.

  • What happens if I’m sued?

    CGL can help cover legal fees, settlements, and court judgments related to covered claims.

  • Does it include product liability?

    Yes, if your product causes harm or damage, this coverage helps with legal and medical costs.