--- title: Commercial Liability Insurance | Get a Quote | PJ&C Insurance description: Get a quote on commercial liability insurance with PJ&C Insurance. Explore our tailored insurance options for businesses in AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today. --- For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection. # Commercial Liability Insurance from Pepper, Johnstone & Company Commercial Liability insurance, also known as Commercial General Liability (CGL), is the main form of commercial insurance coverage that protects the assets of a business when it is sued for something it did, allegedly did or failed to do that causes bodily injury, property damage, personal and advertising injury. The core coverage components of a CGL policy are: Bodily Injury, Property Damage, Product Liability, Completed Operations, Medical Payments, Personal Injury (damage from slander, false arrest, invasion of privacy and wrongful eviction), and Advertising Injury (damage from libel or false advertising). It’s important to note that not all CGL policies provide coverage for personal and advertising injury. ## Why You Need Protection According to Bizstats.com, over 78% of all U.S. businesses are structured as a partnership or sole proprietorship. For the majority of small business owners, this form of ownership puts both your business and personal assets at risk. Owning the right CGL insurance policy helps protect both your business and personal life from financial ruin. A common misconception of a limited liability company (LLC) or an incorporated company is the business is protected from liability and CGL insurance is unnecessary. This is not true. Business owners cannot escape liability simply by structuring the business under these legal entity types. Moreover, business owners can be held personally liable; thus subjecting their personal assets to suit, if they fail to operate the business as a separate entity – known as piercing the corporate veil. An example is a business owner purchases a personal item for his wife through the business instead of purchasing the item himself, as an individual. In today's litigious society, even small mishaps can result in large lawsuits. That's why general liability insurance, along with property, worker's compensation, commercial automobile and commercial umbrella insurance is essential for most companies. ### Get the protection you need tomorrow, today. To learn more about our Commercial General Liability insurance products, [speak with one of our experienced professionals](/contact) today. ### Get a free quote for commercial liability insurance We'll provide you with a commercial liability insurance quote from an insurer that meets your needs and your budget. [GET A QUOTE](/insurance/business/commercial-liability-insurance/quote) [GET SERVICE](/claims-services) * * * ## Clients Love Us We work hard for this reputation. [![Lauren Marsh](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lauren-marsh.8f1ef3286aaf69249e3de25282587a81dc15842de09824b6b0cbfb88b2501a20.webp)](/about/client-testimonials) What’s made us stick with them is the accountability. **— Lauren Marsh —** Ridgeline Construction [![Lynn Persell](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/lynn-persell.9a4cd56880c3014002601585585987659e761ba9b4ce55d934e41cc15c2c97f5.webp)](/about/client-testimonials) They’ve taken care of me during the darkest days after the tornado. **— Lynn Persell —** Persell Lumber & Mill Shop [![Mike Walters](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/testimonials/mike-walters.b7e85f459e5433841cfc9e45b3561d5fa0b394111be2eb8400535769c689c271.webp)](/about/client-testimonials) They understand our business & risk profile through industry knowledge. **— Mike Walters —** MVW Nutritionals ![Commercial client](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) PJ&C has become a crucial member of our business support team over the past several years. **— Commercial client —** Atlanta, GA ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) The entire team is not only knowledgeable but down to earth and willing to share their time, tips and ideas. **— J.W. E. —** Nashville, TN ![Matthew H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) Top notch insurance agency! The team at PJ&C provide excellent customer service while meeting all our needs. **— Matthew H. —** Dallas, TX ![Samantha B.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) All the employees at PJ&C are very professional and knowledgeable. Exceptional customer service. **— Samantha B. —** Athens, AL [MORE REVIEWS](/about/client-testimonials) ## Insurance Articles from the Pepper, Johnstone & Company blog [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need) [**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide) [View all articles](/blog) ## Related Types of Insurance [— Professional Liability Insurance — for professional services](/insurance/business/professional-liability-insurance) [— Commercial Auto Insurance — for business owners](/insurance/business/commercial-auto-insurance) [— Commercial Property Insurance — for business owners](/insurance/business/commercial-property-insurance) [— Commercial Umbrella Insurance — for business owners](/insurance/business/commercial-umbrella-insurance) ```json {"@context":"https://schema.org","@type":"WebSite","url":"https://www.pjcoinsurance.com/","name":"Pepper, Johnstone & Company"} ``` ```json {"@context":"https://schema.org","@type":"Product","name":"Commercial Liability Insurance","description":"Comprehensive commercial liability insurance coverage tailored to your needs.","url":"https://www.pjcoinsurance.com/insurance/business/commercial-liability-insurance","image":["https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/logo.80d7f691a213f4c005424382960e8608cbeea8e81c4c6b54b3ad47b9b05f80b8.svg"],"brand":{"@type":"Brand","name":"Pepper, Johnstone & Company"},"offers":{"@type":"Offer","url":"https://www.pjcoinsurance.com/insurance/business/commercial-liability-insurance","priceCurrency":"USD"}} ``` ```json {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/insurance/business","name":"Business Insurance Products"}},{"@type":"ListItem","position":2,"item":{"@id":"/insurance/business/commercial-liability-insurance","name":"Commercial Liability Insurance"}}]} ```