--- title: What's the Difference Between All-Risk Insurance and Comprehensive General Liability? description: All-risk insurance and CGL sound similar but cover very different things. Here's the real difference between the two. --- [![Cover Buddies Imaginate Email Header](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Imaginate%20Email%20Header.png)](https://www.coverbuddies.com) - [ABOUT](https://www.coverbuddies.com/about-cover-buddies) - SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal) - [KNOWLEDGE HUB](https://www.coverbuddies.com/en/knowledge-hub) - CONTACT - [Send Enquiry](https://www.coverbuddies.com/contact-us) - [Request A Call](https://www.coverbuddies.com/request-a-call) - [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe) [![WHATSAPP US](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/22329589/interactive-177327823698.png)](https://www.coverbuddies.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJk%2F8xCcwUxkJZBGUux7Iqt7%2Box3yN%2BMVYKTFVB%2FbB3odqhSMKPsB%2FQ3xK4NlNcZKKd0UIX3FsruXw4gTY7uoOZUhOkK39tkdnjGwZXTs2vJ7j%2FSZ1cxKAHQn1V0YOh8b5M7GNbExJViD5KknZDnjg%2F4U6vaDQwmSXCq%2BAhZqWQQD69vdtbEETBbLwdtKhKMYUIziFBZCBzlLBP&webInteractiveContentId=177327823698&portalId=22329589) [DOWNLOAD OUR ESSENTIAL INSURANCE GUIDE HERE](https://www.coverbuddies.com/essential-guide-download) # What's the Difference Between All-Risk Insurance and Comprehensive General Liability? All-risk insurance and CGL sound similar but cover very different things. Here's the real difference between the two. [Cover Buddies](https://www.coverbuddies.com/en/knowledge-hub/author/cover-buddies) Oct 1, 2026 --- **The short answer** They cover different kinds of loss entirely. All-risk insurance protects your own property — equipment, stock, fittings — against a broad range of perils like fire, theft and damage. CGL insurance protects your business against claims from third parties for bodily injury or property damage caused by your business activities. One covers what you own; the other covers what you might owe someone else. **Why this comes up** The names sound similarly broad, and it's easy to assume one covers what the other doesn't. A business with all-risk cover might assume it's also protected if a customer is injured on-site — it isn't, because that's a liability exposure, not a property one. **What to check in your policy** If you only have one of the two, check what kind of exposure it actually covers. Property damage to your own assets and liability claims from others are separate risks, and many businesses need both rather than either one alone. **Work with Cover Buddies Today!** We can walk you through both types of cover and help you see exactly where the line sits for your business, so you're not caught assuming one policy does a job it was never built for. [Learn more about all-risk insurance](https://www.coverbuddies.com/en/knowledge-hub/what-is-all-risk-insurance) or [our CGL insurance page](https://www.coverbuddies.com/cgl-insurance-malaysia), or [get a quote](https://www.coverbuddies.com/request-information-commercial) to compare your options. [![GET A FREE CONSULTATON ](https://no-cache.hubspot.com/cta/default/22329589/interactive-155978483766.png)](https://cta-service-cms2.hubspot.com/web-interactives/public/v1/track/redirect?encryptedPayload=AVxigLKAHm%2FCA10IhdicWbRWfPVD9j7NWGNv6CffubPtVLGGg2dwAmuu8e7KQQJOIldGFCqKvkDeLRDzgfpUq3nDh4zUhCeZDUU7LDi%2BtqvHq5rFcc8Wxb351RdrLOCbICziiEKJi3%2BXybjSKiyfSi5yCujoawHQaM0OFs660MZhm%2B9HvAjLFOugSvGgkuW1Ntw%3D&webInteractiveContentId=155978483766&portalId=22329589) ## Similar posts Business Tips ### [Understanding Insurance Sales Channels](https://www.coverbuddies.com/en/knowledge-hub/understanding-insurance-sales-channels) Cover Buddies explains the different channels available to buy insurance and the differences between them. Sarah Pillai Apr 3, 2024 Medical Card ### [Standalone Medical Cards vs. Investment Link Policies (What's The Difference?)](https://www.coverbuddies.com/en/knowledge-hub/standalone-medical-cards-vs.-investment-link-policies-whats-the-difference) Cover Buddies explains the difference between a standalone medical card and an investment-link policy. Aaron Oh Jan 7, 2024 Marine Insurance ### [Difference Between Carrier Liability Insurance and Goods in Transit Insurance](https://www.coverbuddies.com/en/knowledge-hub/difference-between-carrier-liability-insurance-and-goods-in-transit-insurance) Understanding the key differences between Carrier Liability Insurance and Goods in Transit Insurance. Lucas Tan Sep 30, 2024 ### Get The Latest Updates From Us! Be the first to know about the latest news and updates from Cover Buddies [![Cover Buddies Inverted-1](https://www.coverbuddies.com/hs-fs/hubfs/Cover%20Buddies%20Inverted-1.png?width=256&height=128&name=Cover%20Buddies%20Inverted-1.png)](https://www.coverbuddies.com) **Cover Buddies Sdn Bhd (1236241-H)** 4.01, Level 4, The Starling No. 6, Jalan SS21/37 Damansara Utama 47400 Petaling Jaya Selangor Darul Ehsan Malaysia ### ABOUT - [About Cover Buddies](https://www.coverbuddies.com/about-cover-buddies) ### SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal) ### TELL ME MORE - [Blog](https://www.coverbuddies.com/en/knowledge-hub) - [Send Enquiry](https://www.coverbuddies.com/contact-us) - [Request A Call](https://www.coverbuddies.com/request-a-call) - [WhatsApp Us](https://wa.me/+60122159268) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe) - [Download Your Free Insurance Guide](https://www.coverbuddies.com/essential-guide-download) © 2026 Cover Buddies Sdn Bhd. All Rights Reserved. [Powered by Atlas - a B2B SaaS HubSpot theme](https://www.kalungi.com/atlas-hubspot-theme-for-b2b-saas-software) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Cover Buddies", "url" : "https://www.coverbuddies.com/en/knowledge-hub/author/cover-buddies" }, "dateModified" : "2026-10-01T11:01:15.210Z", "datePublished" : "2026-10-01T11:01:15.000Z", "headline" : "What's the Difference Between All-Risk Insurance and Comprehensive General Liability?", "mainEntityOfPage" : { "@id" : "https://www.coverbuddies.com/en/knowledge-hub/whats-the-difference-between-all-risk-insurance-and-comprehensive-general-liability", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Signature-1.png" }, "name" : "Cover Buddies Sdn Bhd" } } ```