Commercial Insurance

Key Benefits - covers damage to third-party due to Commercial Activities


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.

This product is addressed to:

  • Indian companies who have global operations or have contracts with international partners/associates
  • Foreign companies operating in India

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

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

Main Exclusions

  • 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

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