Small business owner protected by commercial general liability insurance in Des Moines, IA from The Insurance Specialists Inc.

Protect Your Business with Tailored Liability Coverage

Running a business means facing real-world risks—injuries, property damage, even advertising disputes—that can hit when you least expect them.

Without the right protection, one claim could disrupt your operations or drain your finances. That’s why having reliable commercial general liability insurance is essential for long-term security and peace of mind.

At The Insurance Specialists, Inc., we offer coverage that goes beyond basic protection. Our Commercial General Liability (CGL) insurance helps shield your business from legal costs related to:

  • 1

    Bodily injury – such as a customer tripping and falling on your premises

  • 2

    Property damage – caused by your business processes or employees

  • 3

    Marketing-related claims – including advertising injury or copyright disputes

  • 4

    Product or service issues – where a claim is made after delivery or completion

You’ll have the confidence of knowing your business is supported when it matters most.

Serving Des Moines and businesses throughout Iowa, we tailor every policy to fit your operations—so you can move forward with confidence.

Ready to protect what you’ve built? Get a custom quote today.

Coverage Options Built Around Your Business Risks

Every business faces different risks—and a one-size-fits-all policy won’t cut it. That’s why The Insurance Specialists, Inc. offers a range of Commercial General Liability (CGL) plans built around the specific challenges your business may face.

We work with top insurance providers to help you secure the fitting coverage at competitive rates.

Whether you run a retail shop, manage a team of contractors, or operate out of a busy office space, our plans are designed to give you confidence in the face of everyday risks.

Here’s what our CGL coverage can include:

  • Liability Coverage for Businesses – Covers costs if your business is held liable for wounds, injuries, or property damage to others.

  • Property Risk Coverage – Protects against accidents or damage that happen on your business premises.

  • Product Coverage – Offers protection if a product you sell causes harm or a defect results in damages.

  • Operations Coverage – Safeguards you from claims that arise after a job is done, like issues from a completed service or installation.

  • Reputation Risk Protection – Covers legal claims involving advertising, including defamation or copyright infringement.

  • Medical Expenses – Helps pay for medical treatment if someone is injured at your location, regardless of fault.

Every policy is designed to match your operations, your risk profile, and your peace of mind—because your protection shouldn’t be generic.

Why Choose The Insurance Specialists, Inc.

Choosing the right Commercial General Liability provider is essential. Here’s why businesses trust us:

Industry Expertise

Benefit from the insights of our experienced Iowa insurance professionals, backed by years of working with local businesses.

Customized Solutions

Adapt your liability coverage to meet the specific demands of your business and industry.

Affordable Rates

We partner with leading insurers to offer competitive pricing that fits your budget.

Strong Industry Relationships

Our solid partnerships with top insurance carriers ensure reliable, consistent coverage.

Commercial General Liability Insurance FAQ

We know that understanding Commercial General Liability Insurance can be essential yet complicated for business owners. That’s why we’ve compiled answers to the most frequently asked questions. Whether you’re a small business owner or managing a larger operation, these FAQs will help simplify your coverage options and guide you through the process of protecting your business from potential risks.

CGL insurance covers claims related to bodily injury, property damage, and advertising injuries that occur as a result of your business operations.

No, CGL insurance does not cover employee injuries. For employee-related incidents, you’ll need workers’ compensation insurance.

CGL insurance is not legally required in most cases, but some clients, contracts, or landlords may require it to protect against potential liability.

CGL covers physical injuries and property damage, while Professional Liability covers claims related to errors or negligence in the services you provide.

Yes, CGL insurance includes product liability, which covers claims if a product your business sells or manufactures causes harm or damage.

Yes, CGL insurance helps cover legal fees, settlements, and judgments if your business is sued for bodily injury, property damage, or advertising injuries.

The amount of CGL coverage you need depends on the size, industry, and specific risks of your business. It’s best to consult with an insurance professional to determine appropriate coverage levels.

No, CGL does not cover data breaches or cyber-attacks. For that, you would need a separate cyber liability insurance policy.

Yes, CGL insurance can cover accidents that occur both on and off your business premises if they are related to your business operations.

While CGL is a key part of business protection, you may need additional coverage such as Professional Liability, Commercial Auto, or Umbrella insurance to fully protect your business.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Contractors’ General Liability Insurance: Protect your business from financial risks associated with third-party claims, including bodily injury, property damage, and legal costs.

  • Commercial Auto Insurance: Get essential coverage for your business vehicles, safeguarding them from accidents, theft, and other risks on the road.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Business Owner Insurance: Combine property and liability coverage in a comprehensive policy designed specifically for small and medium-sized businesses.

  • Trucking Insurance: Ensure your trucks and drivers are protected with specialized coverage tailored for the trucking industry.

  • Bonds: Secure surety bonds for your business to guarantee the completion of projects and compliance with regulations.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

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