Commercial General Liability Insurance


Helping Small Businesses Manage Risk
Commercial General Liability (CGL) insurance protects your company if your products or business operations cause injury or property damage. CGL is the first line of defense for your business, and an essential policy to have as a business owner. 

Kemper's Commercial General Liability insurance covers:

  • Property / Bodily Injury Liability Coverage - Covers against damage to property at a location away from premises you own or rent.  
  • Legal Fee Coverage - Lawsuits can be expensive, even if you win your case. CGL policies often pay for the legal cost of defending your company. 

Kemper Commercial General Liability Frequently Asked Questions

Does the CGL policy offer premises coverage?
While some General Liability policies offer premises coverage (property you own or rent) our General Liability endorsement does not, by design.  We crafted the endorsement to meet the needs of small business contractors, who often don’t own a brick and mortar location, and run their business out of their vehicle. That way, you only pay for coverage that you need.

Does this commercial insurance policy cover injuries to customers?
We cover injuries to customers that may occur in the process of completing work on site.  For example, if a handyman drops an item on the customer’s foot while performing a job.

Where can I go to find an independent insurance agent in my neighborhood?
You can find a local independent insurance agent through our Find an Agent tool.

How can interested independent agents get appointed to sell Kemper Auto insurance?
Interested agents can apply by filling out this form.

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.