Who is typically protected by Comprehensive General Liability Insurance?

Comprehensive General Liability Insurance (CGL) is designed primarily to protect the name insured, who is often the business entity or individual that holds the policy, such as a builder or contractor. This coverage typically includes protection against claims for bodily injury, property damage, and personal injury arising from the business operations.

As the named insured, the builder is shielded from various liabilities that may arise during the course of their operations, including those relating to accidents or injuries that occur on the job site. This type of insurance can mitigate financial losses by covering legal fees and settlements related to these claims.

While project managers, subcontractors, and workers may have some level of protection depending on the specific terms of a contract or other insurance policies, they are generally not the primary beneficiaries of CGL insurance. Instead, they might have their own insurance coverages or are covered under different aspects of the builder's policy. This distinction reinforces why the name insured is the focal point of protection under a CGL policy.