Commercial General Liability Insurance Policy
In every business, several third parties are involved. Sometimes people, customers, outside parties come to your premises and there are nearby properties which may also get damaged due to any unforeseen accident in your premise, you may be held accountable. There is also a 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 organizations; it is the foundation for most organizations’ liability insurance programs.
- General Liability Cover – within named premises and outside named premises (provision of location independent cover).
- Product Liability + Completed Operations – Covers not only your product but also completed operations like commissioned machinery, designed interiors after they have been completed and handed over to your clients.
- Personal and Advertising Injury including libel or slander – Coverage to 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.
- 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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