Commercial General Liability Insurance

Coverage Extension

Overview

Commercial General Liability Insurance (CGL) is a combination of Public Liability and Product Liability. It provides comprehensive protection by covering third party claims against the Insured’s business for injury or property damage. Typical examples include if a customer is injured at your place of business, or say an employee damages property at a client's site.

In view of new dimensions of legal liability exposures any business can fall victim to the high cost of liability from simple slip and fall accidents to personal injury and reputation damage claims. That’s why every business needs Commercial General Liability insurance offers and it is generally a company’s first line of defence against liability arising out of its operations.Commercial General Liability (CGL) policy covers third party liabilities arising from various business operations, be it premises, products and completed operations and/or advertising and personal injury.

Coverage

With a broad-based wording that has withstood scrutiny in the most litigious jurisdictions of the world, Comprehensive General Liability provides comprehensive protection against:

  • Bodily injury and Property Damage
  • Personal and Advertising injury
  • Medical Expenses
  • Fire Damage / Tenant’s legal liability
  • Supplementary Payments
  • Any judgment or settlement arising from a covered suit
  • Any required interest on the judgment if the defence is unsuccessful
  1. Covered Exposures:
    • Premises Liability
    • Operations Liability
    • Products Liability
    • Completed Operations Liability
  2. Duty to Defend Form
  3. Coverage for defence costs apart from damages

Extension

  • Personal Property under Care, Custody and Control
  • AOG perils
  • Lift Liability
  • Food and Beverages extension
  • Sudden and accidental pollution extension
  • Cover for Travel of Executives Worldwide for non-manual visits
  • Coverage for Vicarious liability
  • Valet parking / Guest’s personal effects / Inn keeper’s Liability & the like
  • Non-Owned and Hired Automobiles
  • Facilities cover - Swimming pool, Health club, Spa, Shops, Restaurant, Banquet halls, Beauty parlour etc
  • Coverage for liability for organization of any tour or promotion or other sight-seeing activities / events etc