Commercial General Liability insurance is an “all-risks” type of insurance. This means it provides coverage for risks unless specifically excluded. Specific risks that are normally not covered by General Liability policies include professional services, pollution, liquor, automobile liability, and directors and officers liability and employment practices.
Do you need to list additional insureds? Do you need waivers of subrogation or primary non-contributory coverage? Claims made or occurrence? All general liability policies are not the same. Make sure you have what you need!