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Frequently Asked Questions & Research Reports

Will my CGL policy protect me in other states?
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Ohio General Liability Insurance Coverage Territory

The CGL offers coverage in the USA, its territories and possessions, Puerto Rico, and Canada.

International waters and airspace is also considered part of the covered territory, but only if the injury or damage occurs in the course of travel or transportation between the United States, its territories and possessions, Puerto Rico and Canada.

Goods and services are covered if they were sold by you in the coverage territory.

Activities of a person whose home is in the coverage territory (United States of America, its territories and possessions, Puerto Rico and Canada), but is away for a short time on your business are also covered.

Worldwide coverage is provided for personal and advertising injury offences that take place through the Internet or similar electronic means of communication.

However, it's importnat to note that in order to make a CGL claim, the lawsuit must be filed in the policy coverage territory. Or the insurance company must make a voluntary settlement.

Worldwide territorial coverage may also be added to a CGL with a specific endorsement designed to better protect those businesses with an international exposure to risk.

If you’d like to learn more, contact one of our Licensed Advisors or complete the form above.  We’re here to help.

To continue learning about your insurance protection, return to our Resource Center.

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