I want to start with a story.
A contractor finished a job at a small retail shop. Beautiful work. Client was thrilled.
Three weeks later, a customer slipped on the floor near where the work was done. Fractured hip. Surgery. Physical therapy. The lawsuit named everyone — the property owner, the contractor, and the subcontractor who did the flooring.
The contractor had a million dollars in CGL coverage. He thought he was protected.
He wasn't. Not fully.
By the time everything settled, that million-dollar policy felt a lot smaller. That contractor is exactly why I built The Protection Circle.
In Episode 1, I break down Commercial General Liability — the policy every business owner thinks they understand. Until they don't.
You'll learn:
What CGL actually covers (and what it doesn't)
Why a million-dollar policy is NOT always a million dollars in protection
The 3 questions every business owner must be able to answer right now
Why your defense costs may be eating your limits without you knowing
▶️ [Watch Episode 1 here] https://share.descript.com/view/Wz4oyKEAdv4
This is just the beginning.
Every episode I'm going inside the policies, the clauses, and the blind spots that cost business owners money. No fluff. No jargon. Just straight answers from 28 years in the field.
If you want to go deeper — checklists, done-for-you resources, live monthly sessions, and direct access to me — join The Protection Circle Insider for just $29/month.
Your coverage shouldn't be a mystery. Let's fix that.
[Become an Insider →] https://www.theprotectioncircle.com/upgrade
Until next time — stay protected, and stay passionate.
John Crist Prestizia Insurance | The Protection Circle