Commercial General Liability (CGL)

Policy Details

Learn more about the Commercial General Liability (CGL) policy.

Description

A comprehensive liability policy that protects businesses from third-party claims of bodily injury, property damage, and personal injury arising out of business operations.

What is This Policy?

CGL provides broad protection against third-party liabilities arising from business premises, operations, or products. It's essential for all customer-facing businesses.

What is Covered

The policy covers legal liabilities arising from bodily injury or property damage to third parties due to accidents occurring in the course of business. It also includes legal defence costs and settlements. Optional add-ons include advertising injury, tenant’s liability, and product-completed operations coverage.

Who Should Buy

Manufacturers, retailers, hotels, educational institutions, Any business with public-facing operations or physical premises

Key Features

Covers premises liability, operations liability, and product-completed operations
Includes legal defence costs
Optional extensions for vendor liability, tenant’s liability, advertising injury
Occurrence-based or claims-made basis