Commercial General Liability (CGL) Insurance

What Is a CGL Policy?

Commercial General Liability (CGL) Insurance provides coverage for third-party liabilities arising from business operations. It protects businesses against legal liabilities due to premises-related incidents, product-related liabilities, completed operations, and advertising or personal injury claims.

The policy includes supplementary payments, ensuring comprehensive protection against liability risks. CGL insurance is essential for businesses to safeguard against financial losses resulting from legal claims.

Who Can Take a CGL Policy?

• Indian companies with global operations
• Foreign companies with CGL policies in other jurisdictions seeking coverage for Indian operations
• Businesses contractually required to carry occurrence-based liability coverage
• Export companies needing claims-handling capabilities in major jurisdictions

What Is Covered?

• Coverage A: Bodily Injury & Property Damage Liability – Protection against claims of bodily injury or property damage caused by business operations, products, or services.
• Coverage B: Personal & Advertising Injury – Covers liability arising from false advertising, defamation, invasion of privacy, or copyright infringement.
• Coverage C: Medical Expenses – Pays for medical costs incurred due to bodily injury suffered by a third party due to business operations.
• Supplementary Payments: Coverage A & B – Includes legal defense costs, settlements, and additional payments related to covered claims.