Comprehensive General Liability (CGL)
What is CGL Insurance
The primary purpose of General Liability is to cover suits from third parties arising
out of bodily injury or property damage.
Typically these claims arise from accidents occurring at your premises or out of your
products/finished services.
1. Public Liability
Performing of such activities/ processes leading to property damage / injury
/casualty to customer/ user/ third parties
Industrial Cover– Accidents, AOG (Act of God), Pollution, Transportation risks
(Bhopal gas tragedy)
Non Industrial Coverage – Cinema’s, Malls, any other place frequented by general
public (Uphaar theater tragedy)
2. Product Liability
Defective products outside the premises of the Insured, leading to property damage /
injury /casualty to customer/ user/ third parties
Why do I need this coverage?
General Liability insurance is needed to pay the legal bills and damages your firm
might be responsible for paying
The Accident That You Really Didn’t Cause But Have To Pay For Anyway: You are also
covered if a client comes to your office and trips over his own feet but says it was the
loose carpet in your reception area. Your General Liability coverage will pay your
client's expenses for his broken leg
COVERAGE:
Bodily Injury / Property damage
Public liability- Claims arising out of insured’s operations/ premises
Product liability- Claims arising out of defects in the insured’s products/ finished goods & services
Public liability- Claims arising out of insured’s operations/ premises
Product liability- Claims arising out of defects in the insured’s products/ finished goods & services
MAJOR EXCLUSIONS
Expected or intended injury, Contractual liability, Liquor liability, Workmen's compensation, Employers liability, Pollution, Aircraft, Auto or Watercraft, Mobile Equipment, Damage to property, Employment-Related Practices, Recall of Products, work or Impaired Property, Technology, Media And Professional Liability, Electromagnetic radiation, Asbestos, Toxic Mold, Damage to impaired property.