Commercial General Liability Insurance

Business establishments who besides using their equipment or mobile equipment in their premises, also use them for works away from their premises such as are exposed to   liability claims for bodily injury or property damage , there is an increased requirement to have a comprehensive risk management solution in place.

Comprehensive General Liability policy provides  business organizations to protect against:

  • Coverage A – Bodily injury and Property Damage.
  • Coverage B – Personal and Advertising injury.
  • Coverage C – Medical Expenses.

Commercial General Liability (CGL) policy is a wider cover than Public Liability insurance.

Owning and operating a business comes with plenty of responsibility and accountability. In today’s uncertain world, technology and case law are constantly changing the liability landscape. Even if you operate with the utmost care, sometimes things do go wrong.

Under a general liability insurance policy, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. This policy offers the option of protection for bodily injury, property damage, advertising injury (damage from slander or false advertising) and personal injury to a third party for which a company is found to be legally liable.

The insurance company also covers compensatory and general damages. General liability insurance policies always state a maximum amount that the insurer will pay during the policy period.

Companies are often exposed to legal liabilities arising out of breach of duty of care to the general public and their customers. CGL policy covers the third party property damage and death/injury to the third parties.

  • The Policy covers comprehensive protection against:
    • Personal injury.
    • Property damage.
    • Advertising.

On payment of additional premium, the policy can cover the following:

  • Damage to premises rented to the Insured.
  • Vendors’ extension.
  • Employer’s liability and
  • Coverage for additional Insureds when required by written contracts.