Commercial general liability for small biz
CGL packaging themes for micro-companies. Plain-English education—not a quote or personalized advice.
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Micro-companies still sign leases, serve clients on site, and deliver products. Commercial general liability is the certificate line many gatekeepers expect—even when you feel “too small” for insurance paperwork.
Educational only—not a quote, recommendation, or personalized advice. Rules and policy forms vary by state and carrier.
Triggers that push CGL to the top of the list
- Landlords require GL for salon, retail, or office space
- General contractors demand COIs from subs
- Event venues ask for proof before booth setup
- Product sales to retailers with vendor agreements
Pair CGL with reality checks
- Do you use personal auto for deliveries? (Commercial auto review)
- Do employees exist? (Workers’ comp where mandated)
- Do you advise clients for a fee? (Professional liability review)
Related: Commercial liability basics · LLC GL notes
Frequently asked questions
Who needs commercial general liability?+
Many customer-facing businesses, contractors, and vendors carry CGL because clients and venues require it. Home-based micro businesses may still need GL for client visits.
Will CGL cover my subcontractor’s mistake?+
Your CGL responds to **your** legal liability, not automatically every subcontractor error. Contracts often require subs to carry their own GL and name you additional insured.