Commercial General Liability Quote
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Commercial General Liability Insurance
In the course of any business day, a number of things can go wrong. This policy protects you from claims that may occur due to property damage, bodily injury, or personal and advertising incidents caused by your services, business operations, or employees. We’ll customize your policy so you can focus on your business, not your insurance.
Data Breach & Cyber Liability
From ransomware to business email compromise, in today’s world, cyber threats are lurking. We offer cyber products to help protect your business’s reputation.
Employee Benefits Liability
Coverage to ensure protection and fill in the coverage gaps that may occur during the administration of employee benefit plans.
Liquor Liability
If you sell, serve, or distribute alcohol, protect your business from bodily injury or property damage that can occur from an intoxicated customer.
General Liability
Our general liability enhancements offer extensive additional coverages to protect your business.
Contractors Enhancement
Our Contractors Plus endorsement provides coverage enhancements and helps you run your business more cost-effectively.
Restaurant Program
Take advantage of preferred pricing, safety credits, and specialized coverage through our Restaurant Safety Program.
Affordable
Get competitive rates and flexible payment plans.
Reliable
Insure confidently. FICOH is financially strong, rated “A+” by A.M. Best.
Flexible
Customize your coverage package to meet your company’s needs. Additional coverage solutions are available.
Local
Count on our local team for responsive, knowledgeable, and proactive service.
FAQs
Is commercial general liability (CGL) insurance required in Hawaii?
No, it is not legally required by the state of Hawaii for all businesses. However, it may be required by specific industries, state licensing boards, or as a condition of contracts with clients or landlords.
What does commercial general liability insurance cover?
CGL insurance primarily protects businesses from financial loss due to third-party claims for bodily injury, property damage, personal and advertising injury (e.g., libel, slander, or copyright infringement in an advertisement), and medical payments.
How much commercial general liability insurance should a small business carry?
It is generally recommended that businesses take out anywhere from $1 million to $2 million. However, depending on your industry and your risks, you should consult with your independent insurance agent.