A typical CGL policy provides coverage for claims of bodily injury or other physical injuries, personal injury (libel or slander), advertising injury and property damage as a result of your products, premises or operations, and can be offered as a package policy with other coverages such as Property, Crime, Automobile, etc. As a safeguard against liability, CGL enables you to continue your normal operations while dealing with real or fraudulent claims of negligence or wrongdoing.
Errors and omissions (E&O) liability insurance covers any service cost that would otherwise result in a loss due to business operations. E&O insurance is appropriate coverage for anyone who gives advice, makes educated recommendations, or represents the needs of others.
In the event of a glass claim, the deductible under a standalone glass policy is less than the deducible under your primary policy. The insured has a choice in which contractors they want to quote the repair or replacement in the event of a loss. And standalone glass policies offer broader coverage than a homeowners or commercial lines policy.