Commercial General Liability Insurance

Shielding Your Maritime Operations from Costly Lawsuits General Liability Insurance for Maritime Businesses & Contractors

What is Commercial General Liability Insurance?

Commercial General Liability Insurance, often simply called General Liability Insurance, is the foundational coverage designed to protect your business from the most common and often devastating risks. It’s your primary defense against unexpected third-party claims of bodily injury, property damage, and personal or advertising injury that can arise from your daily business operations. This vital coverage safeguards your assets and reputation, providing the peace of mind necessary to focus on growth. Casey Insurance Companies’ general liability policies are built for marine businesses, charter operators, and commercial enterprises throughout Florida and beyond.

What Our Liability Policy Covers

Bodily Injury Liability

Protects your business if someone is harmed due to your operations or premises.

Property Damage

Covers the cost if a third-party’s property is damaged due to your business activities.

Legal Defense & Court Costs

We handle attorney fees, settlements, and court costs—even if you’re not at fault.

Personal & Advertising Injury

Protects you from claims of slander, copyright infringement, or false advertising.

Key Coverages in a Marine General Liability (MGL) Policy

For any business with a footprint in the aquatic world, from boatyards and marinas to marine contractors and offshore service providers, obtaining robust marine liability insurance coverage is not merely an option, it’s a critical necessity to ensure true comprehensive protection. At Casey Insurance Companies, our Marine General Liability Insurance policies are built to protect your business from industry-specific risks not covered by standard liability plans. Below are the core components of a well-rounded MGL policy:

Wharfingers Liability

Covers businesses operating docks, piers, or marinas. Protects against damage to vessels or third-party property while under your care, custody, or control.

Charterers' Liability

For businesses chartering vessels, whether commercial or private this coverage protects you from liability for damage to the vessel or third-party injuries caused during charter use.

Stevedores Liability

If your operations include loading and unloading marine cargo, this coverage safeguards you from claims related to damage during activities.

Ship Repairers Liability

Essential for marine repair shops and shipyards, this covers physical damage to client vessels and injuries occurring during maintenance or repair services.

Get Your General Liability Quote Today!

Let’s build a policy that protects your reputation, assets, and future.

Who Needs General Liability Insurance?

We Protect These Marine Operations for Commercial General Liability insurance.

Marinas & Yacht Clubs

Boat Repair Shops

Charter Operators

Why Choose Casey Insurance Companies?

Marine Industry Experts

With years of experience in marine and commercial coverage, we know the exact risks you face, and how to shield you from them.

Access to A-Rated Carriers

We only work with financially stable, top-tier insurance providers.

Custom-Fit Solutions

Your business is unique. Your insurance should be, too. No cookie-cutter policies.

White-Glove Support

From quote to claim, we walk beside you every step of the way.

Licensed Across Multiple States

We serve clients in multiple state across the United States.

FAQs

How much does Commercial General Liability Insurance cost?

The cost of commercial general liability insurance varies significantly because it’s customized for each business. Key factors include your industry’s risk level, your business size and revenue, location, claims history, and the specific coverage limits and deductibles you choose. While some small businesses might pay as little as $40-$70 per month, high-risk operations or larger companies will pay more. Getting a personalized quote is the best way to determine your exact premium for the best commercial general liability insurance for your needs.

What does Commercial General Liability Insurance cover?

Commercial General Liability Insurance (CGL) primarily covers your business against claims arising from:

Bodily Injury: If a non-employee (like a customer or client) is injured on your business premises or due to your operations.
Property Damage: If your business accidentally damages someone else's property.
Personal and Advertising Injury: Covers non-physical harm such as libel, slander, or copyright infringement in your advertising.

Does General Commercial Liability Insurance include Inland Marine?

No, General Commercial Liability Insurance does not typically include inland marine insurance. CGL covers liability for bodily injury and property damage to third parties. Inland marine insurance is a type of property insurance designed to cover your business's movable property, tools, and equipment that are transported over land or stored off-premises.

How does General Liability Insurance compare to Workers' Comp?

General Liability Insurance helps protect your business if someone like a customer or visitor gets hurt or their property is damaged because of your business. Workers' Compensation Insurance, on the other hand, covers your own employees if they get injured or sick while working. Both are important because they protect you from different kinds of risk, and many businesses need both for full coverage.