Commercial General Liability Insurance
Protects against third-party claims.
Trusted by:
Policy Covers:
- Bodily injury claims from third parties due to accidents.
- Property damage claims from third parties.
- Legal defense and settlement costs for covered claims.
Pay ₹3,000* per yearand get ₹25 Lacs coverage
By continuing, I agree with Terms of Use
and Privacy Policy.
Trusted by:
Policy Covers:
- Bodily injury claims from third parties due to accidents.
- Property damage claims from third parties.
- Legal defense and settlement costs for covered claims.
What is Commercial General Liability (CGL) Insurance?
Commercial General Liability Insurance (CGL) provides broad coverage against various third-party risks associated with business operations. It covers third-party bodily injury, property damage, legal defense costs, and liabilities arising from business activities.
Who needs Commercial General Liability Insurance cover?
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹800 Cr
Annual Turnover
₹0 Cr-₹100 Cr
Annual Turnover
₹0 Cr-₹1,000 Cr
Annual Turnover
₹0 Cr-₹500 Cr
Annual Turnover
₹0 Cr-₹200 Cr
Why do you need Commercial General Liability Insurance?
Why do you need Commercial General Liability Insurance?
Legal Defense Costs
Ensures your business can handle expensive legal fees.
Bodily Injury Claims
Provides financial coverage for third-party injury expenses.
Property Damage Expenses
Covers costs for damages to others' property.
Enhances Business Credibility
Demonstrates your commitment to managing risks.
Risk Management
Helps manage everyday business risks effectively.
Why choose BimaKavach to protect your business?
The Power of Underwriting
Your Policy is built for your unique needs.
Best Price for Complete Coverages
You get the best price for your coverage.
24*7
Claims Support
All concerns will be addressed without delay.
Online Platform to Manage Your Bima
Your policy can be managed from anywhere.
Dedicated
Bima Expert
You get access to IRDAI-Certified Bima Experts.
Who’s this for?
What does Commercial General Liability Insurance cover and exclude?
Coverages
Bodily Injury Liability
CGL Insurance covers legal costs and settlements if someone gets injured on your property or due to your business operations.
Property Damage Liability
Pays for damage your business causes to someone else's property.
Medical Payments
CGL Insurance covers medical costs for people injured on your premises, regardless of fault.
Legal Defense Costs
Pays for your legal defense in covered lawsuits.
Personal and Advertising Injury
Covers claims of libel, slander, or copyright infringement in your advertising.
Products-Completed Operations
Covers claims related to injury or damage caused by your products or completed services.
Damage to Rented Property
Covers damages to rented property if you cause a fire.
Pollution Liability
CGL Insurance covers third-party bodily injury and property damage due to pollution caused by a sudden and unintended event.
Contractual Liability
Covers liabilities you assume under a contract, subject to policy terms.
Act of God Perils
Covers third-party liability arising from natural disasters like earthquakes, floods, and tsunamis.
Exclusions
Product Guarantee
CGL Insurance excludes costs related to product guarantees, repairs, or replacements.
Errors and Omissions
Excludes losses from professional errors and omissions.
Fraud and Dishonesty
Excludes losses due to fraudulent or dishonest acts by the insured.
Wear and Tear
CGL Insurance excludes damages due to normal wear and tear.
Intentional Acts
Excludes damages caused intentionally by the insured.
War and Terrorism
Excludes damages due to acts of war or terrorism.
Nuclear Risks
Excludes damages from nuclear reactions or contamination.
Pollution
CGL Insurance excludes losses due to gradual pollution unless covered by endorsement.
Pre-Existing Conditions
Excludes damages existing before the policy start date.
Consequential Losses
CGL Insurance excludes indirect or consequential losses such as loss of profits.
Bodily Injury Liability
CGL Insurance covers legal costs and settlements if someone gets injured on your property or due to your business operations.
Property Damage Liability
Pays for damage your business causes to someone else's property.
Medical Payments
CGL Insurance covers medical costs for people injured on your premises, regardless of fault.
Legal Defense Costs
Pays for your legal defense in covered lawsuits.
Personal and Advertising Injury
Covers claims of libel, slander, or copyright infringement in your advertising.
Products-Completed Operations
Covers claims related to injury or damage caused by your products or completed services.
Damage to Rented Property
Covers damages to rented property if you cause a fire.
Pollution Liability
CGL Insurance covers third-party bodily injury and property damage due to pollution caused by a sudden and unintended event.
Contractual Liability
Covers liabilities you assume under a contract, subject to policy terms.
Act of God Perils
Covers third-party liability arising from natural disasters like earthquakes, floods, and tsunamis.
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When can I Claim?
A claim under Commercial General Liability Insurance can be registered in the below circumstances:
- If a third party is injured on your business premises due to an accident.
- Your business operations cause damage to a third party’s property.
- If your business faces lawsuits related to covered claims.
- A product your business manufactured or sold causes injury or damage.
Claim what’s yours with BimaKavach
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