Commercial General Liability Insurance Policy

  • Buy Commercial General Liability Insurance Policy in India

In every business, there is involvement of several outside parties. Sometimes people, customers, outside parties come to your premises and there are  nearby  properties which may also get damage due to any unforeseen  accident  in  your  premise,  for  which  you  may  be  held  accountable.  There is also possibility that others may get impacted by any defect/malfunctioning of your product. The typical Commercial General Liability (CGL) policy provides protection against claims of bodily injury or property damage for which your business may be liable. The Commercial General Liability insurance or CGL Liability Insurance Policy covers a wide range of Liability loss exposures faced by most organisations; it is the foundation for most organisations ’Liability insurance programs.

Scope of cover

  • General Liability cover – within named premises and outside named premises (provision of location independent cover)
  • Product liability + Completed operations – Not only your product can be covered but also completed operations like commissioned machinery, designed interiors after the same have been completed and handed over to your clients
  • Personal and Advertising Injury including Libel, Slander – Coverageto extend beyond primary bodily injury and property damage. This feature provides reputation damage coverage towards third parties
  • Medical Expenses – No fault provision of providing primary medical care for accidental injuries

Major Exclusions

  • Expected or intended injury
  • Contractual Liability
  • Worker’s Compensation and similar laws
  • Pollution
  • damage to your property, product or your work
  • Aircraft, Auto or Watercraft
  • Professional Liability
  • Personal and Advertising Injury
  • Electronic data

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