Commercial General Liability (CGL) Policy covers liability exposures arising out of your business operations. In practice, CGL operates as a combination of Public Liability and Product Liability policies and also offers you various supplementary covers in the standard Policy wording.

What does this policy cover?

CGL has broad based policy wording that provides you with comprehensive protection against:

• Bodily Injury & Property Damage
• Personal & Advertising Injury
• Medical Payments

What does this policy not cover?

• Product Recall
• Errors & Omissions
• Employer’s Liability
• War and Allied Perils
• Pollution Liability
• Damage to Insured’s property or product
• Liability arising out of Aircrafts/Hovercrafts/ Watercrafts or Automobiles
• Contractual liability
• Liability arising out of Mobile equipments
• Liquor liability
• Liability under Workmen’s Compensation Act or similar other law

(This is not an exhaustive list)

Applicability

• Indian companies who have global operations or have contracts with international partners/associates
• Foreign companies operating in India
• Exporting companies who would prefer claims handling abilities in all major jurisdictions
• Companies who are contractually bound to carry occurrence-based liability cover