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CGL provides coverage for bodily injury or property damage caused by products you sell, services you offer or locations from which you operate. The insurance coverage provided within a CGL policy includes Employers Liability, Employee Benefits Liability, Tenant's Legal Liability, Products Liability, Personal Injury, Advertising Injury, Completed Operations, and Non-owned Automobile.
Employers Liability: Most employees are covered by worker's compensation but some employees do not qualify. Thus, the employers' liability provides bodily injury if an employee gets hurt at work—specifically, office employees who are not covered by worker's compensation.
Employee Benefits Liability: Provides employers who make an error or omission in administering their employee benefits program.
E&O covers risks that are not covered under your Commercial General Liability Insurance. E&O Professional Liability provides coverage for financial losses to third parties due to a mistake or omission made while rendering a professional service.