# Commercial General Liability

Commercial General Liability (CGL) provides protection against third-party claims such as bodily injury, property damage, and legal defense costs not involving a vehicle. It is one of the most commonly required policies when working with brokers, shippers, or entering into contracts.

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### What It Covers

* **Bodily Injury** – Injuries to non-employees resulting from business operations
* **Property Damage** – Damage to third-party property caused by business-related activity
* **Legal Defense** – Court costs, legal fees, and settlements in covered claims

> 🛡️ CGL does *not* cover vehicle-related incidents, cargo damage, or physical damage to company property.

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### When It’s Required

* During onboarding with brokers or factoring platforms (e.g., RMIS, TriumphPay)
* When executing contracts that require third-party liability coverage
* As a general compliance requirement for active carriers

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### Required Fields

The following fields must be filled when creating or editing a Commercial General Liability policy:

* **Policy Type**: Pre-selected as *Commercial General Liability*
* **Policy Number**
* **Provider Name**
* **Coverage Limit** (per occurrence and aggregate)
* **Start Date**
* **Expiration Date**
* **Provider Rating** (A–F scale)
* **Certificate Upload** (PDF or image format)

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### Visual Cues

* ✅ **Active** policies appear in green
* ⚠️ **Expired** are shown in red with an alert icon
* 🕓 **Expiring Soon** (30 days before) trigger a warning indicator

\
\&#xNAN;*Figure: Visual states for active, expiring, and expired Commercial General Liability policies.*

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### Add/Edit Policy Modal

* Fields dynamically adjust for required coverage inputs
* Validation appears inline (e.g., missing dates, coverage limits)
* Certificate upload is mandatory for compliance tracking

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\&#xNAN;*Figure: Add/Edit Policy modal for Commercial General Liability.*

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### Notes

* This policy is **not tied to a specific truck or trailer**
* Must be kept current to avoid load posting restrictions
* Shown in company profile summary, documents module, and broker exports

> ✅ Tip: Renew your CGL policy before expiration to avoid dispatch interruptions or contract violations.


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