Commercial General Liability Insurance

Why Comprehensive General Liability (CGL) Protection

Liability may seem like a basic insurance risk but changing exposure leads to unexpected and complex claims with intimidating implications in terms of expense , time and repute. Comprehensive general liability combines both public and product liability and is the insurance policy that protects your business from these risks.

What is Covered?

This cover has a broad based policy wording that provides comprehensive protection against:

a) Personal Injury b) Property damage c) Advertising injury

This policy also extends a "Duty to defend" coverage.

Whether yours is a large or a small business the CGL insurance will help your business manage the impact of many legal liabilities which may arise from your business activities or from incidents involving the goods or service you provide.

What is not covered?

Please note that this policy excludes , amongst other things , loss , damage, destruction, death, injury, illness, liability, cost or expense caused by:

  • War ,Invasion, act of foreign enemy , hostilities ,civil war ,mutiny ,insurrection ,rebellion ,revolution ,military or usurped power

  • Any act(s) of terrorism

  • Employment liability unless specifically covered

  • Property in care , custody or control

  • Radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel

  • Product defect , loss of use, product recall

  • Vechiles

  • Aircraft , aircraft products ,watercraft and hovercraft

  • Contractual liability

  • Professional Liability

  • Pollution

  • Asbestos

  • Faulty workmanship

  • IT Hazards, computer data storage , etc

  • Fines, penalties and punitive damages

  • Assault and battery

  • Tobacco

What can be covered on payment of Additional Premium?

  • Damages to premises rented to insured

  • Coverage for additional insureds when required by written contracts

  • Vendor's extension

  • Employer's liability

What to do in event of claim?

If an event happens which may give rise to a claim under this policy you must:

  • Inform incident to the insured as soon as possible

  • Take all reasonable precautions to prevent further loss or damage

  • Not negotiate , admit , repudiate or pay claim by any person

  • Co-operate with insured fully in any action that the insurer takes if the insurer has a right to recover any money payable under this policy from any other person.

What you must not do in the event of a claims?

You must not

  • Admit liability if an incident occurs which is likely to result in someone claiming against you or make any admission of guilt or promise or offer payment in connection with any such claim, unless the insurer first agrees in writing.

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