What is General Liability Insurance?
Also called: Commercial General Liability, CGL
General liability insurance, often written as Commercial General Liability (CGL), covers third-party bodily injury, property damage, and personal or advertising injury arising from your business operations. It is broader than product liability and usually includes product and completed-operations coverage within the same policy for eCommerce sellers.
Why it matters for sellers
Most marketplace and buyer insurance requirements are phrased as commercial general liability with product liability included. One CGL policy with the right limits usually satisfies Amazon, Walmart, and wholesale COI requests.
Example
A visitor is injured at your warehouse, or a competitor claims your ad copied theirs; general liability responds to both.
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Questions
What is the difference between general liability and product liability?+
General liability is the broad commercial liability policy; product liability is the part that covers injury or damage caused by products you sell. For physical-goods sellers the two usually sit in one policy.
Definition based on Insurance Information Institute and IRMI Glossary of Insurance & Risk Management Terms. Reviewed 2026-07-01. This is general information, not insurance advice.