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Commercial General Liability

Commercial General Liability Insurance (CGL) provides coverage for businesses against third-party claims of bodily injury, property damage, or personal injury. It protects companies from legal and financial liabilities arising from accidents or incidents that occur on their premises or due to their operations. Keep reading to find out more about it!

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Benefits of Commercial General Liability

Commercial General Liability

Financial Protection: CGL insurance shields businesses from costly lawsuits and potential legal expenses arising from third-party claims of bodily injury, property damage, or personal injury.

Coverage For Advertising Injury: It provides protection against claims of defamation, libel, slander, or copyright infringement resulting from the business’s advertising efforts.

Customer Confidence: Purchasing CGL insurance enhances the business’s credibility and instills confidence in customers, assuring them that their interests are protected.

Peace of Mind: Business owners can operate with peace of mind, knowing that they have a safety net to manage unforeseen liabilities, preserving their financial stability and reputation.

Frequently Asked Question

Understand your insurance policy options. Identify the best value. Enjoy peace of mind.

FAQ Illustration

You may need to submit the following documents to claim a commercial general liability insurance policy:

  • ID proof of the insured/claimant
  • FIR report, if any
  • Copy of the policy document
  • Information of loss and damages, including the type of claim, the extent of loss, and the area of damage
  • Any other documents asked by your insurance provider

Small businesses can also face mishaps and potential risks. Therefore, if you purchase a CGL policy, it will protect you from financial liabilities arising due to losses and damages.

No, CGL insurance does not provide coverage for workmen compensation. However, the insurer provides separate policies to cover these types of losses.

Professional liabilities are not covered under commercial general liability insurance. However, you can purchase a professional indemnity insurance plan to protect yourself from professional losses and damages.

Following are the losses covered under a commercial general liability insurance policy:

  • Lawyer’s fees
  • Court expenses
  • Legal costs
  • Employee injuries that occur at your property
  • Repair or replacement for loss and damages
  • Other losses and damages mentioned in the policy document

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