3 articles tagged with this topic
Public liability is a UK and Australian insurance term. In California and throughout the US, the equivalent product is called commercial general liability (CGL) insurance and it covers more. Here is exactly how they differ and what California businesses need.
CGL covers physical incidents like bodily injury and property damage. Professional liability covers financial harm from errors, omissions, or service failures. Many California businesses need both, and understanding the boundary between them prevents costly coverage gaps.
In the United States, general liability insurance and commercial general liability (CGL) insurance refer to the same product. The terms are used interchangeably. Here is why both terms exist and what the policy actually covers.