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By greenwoodinsurance | Published March 12, 2013. Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns.
Definition. A type of liability insurance held by businesses. Comprehensive liability insurance (CGL) is a broad policy that protects the organization from liability claims related to products coverage, completed operations coverage premise and operations coverage, and independent contractors coverage.efinition. A type of liability insurance held by businesses. Comprehensive liability insurance (CGL) is a broad policy that protects the organization from liability claims related to products coverage, completed operations coverage premise and operations coverage, and independent contractors coverage.