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Comprehensive General Liability Insurance

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Comprehensive General Liability insurance

Combination of product and premises liability in a single policy document

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What is Comprehensive General Liability insurance?

Comprehensive General Liability insurance policy is offered to the businesses by providing them cover for expenses incurred in legal defense and the damages or compensation that are required to be paid

  • In case of incidents of third party bodily injury or property damage in any unexpected circumstances
  • A personal and advertising injury caused by the insured’s business operations while third parties are in and around the premises
  • Due to usage of insured’s products This product will shift the legal burden of the insured (the policyholder) by incurring the loss and expenses during this uncertain situation.

This policy is important for every small and medium sized businesses to protect the insured entity against claims arising out of legal liability where they are held responsible for third party bodily injury or property damage due to insured’s business, premises or products. It should be taken by every new business as it covers all risk a business may face.

The need of Comprehensive general liability Insurance is more than ever before due to the following reasons

  1. One point contact for all requirements
  2. Better understanding of risk, effective underwriting of portfolio and better risk management
  3. Dedicated Risk engineers to cater construction sector clients.
  4. Financial strength and supreme claims paying capacity

It covers legal liabilities arising out of claims for:

  • Losses or damages arising out of third party bodily injury
  • Personal damage
  • Advertising injury

Below are the detailed inclusions and exclusions of our Comprehensive General Liability insurance

  • Inclusions
  • Exclusions
  • It protect the insured against their legal liability towards third parties (the customers) for accidents resulting bodily injury, personal damage, advertising injury and loss to tangible property of the visitors caused by the business operations or finished products that occur in the premises or other premises wherever their business operations are conducted.
  • If you or your business is being sued for any losses caused to the third party then the insurance company will incur all the expenses of investigating officers and lawyers.
  • Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
  • Employer's Liability: It does not covers bodily injury of an employee performing duties related to the conduct of the insured (policyholder) business.
  • Liquor Liability: Bodily injury or property damage caused due to intoxication of any person or giving alcoholic beverages to a person under the legal drinking age or under the influence of alcohol.
  • Gradual Pollution: Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, release of "pollutants at the location which is or was at any time owned or occupied by any insured.

For detailed list of additional covers/extensions, please read policy wordings.

Get answers to common questions about Comprehensive General Liability insurance

  • General
  • Cover
  • Claims
  • Policy

Comprehensive General Liability insurance policy is offered to the businessmen by providing them legal security and insuring against any unexpected circumstances which may leads to bodily injury, personal damage, advertising injury and loss to tangible property of the customers caused by the business operations or finished products that occur in the premises or other premises wherever their business operations are conducted.) by incurring the loss and expenses during this uncertain situation.

Product liability compensation depends on the extent of damage to the third party in insured premise.

  • The product manufacturer or the trader
  • Immediate basis

If it is required then one needs to appoint a lawyer to defend oneself. The lawyer fees will be compensated by the company if claim is payable within the policy.

Third party bodily injury or property damage arising due to the defects in the products are covered under this policy. Erection All Risk Policy provides cover for electromechanical projects, erection of various type of plants and T&D network.

  • Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
  • Liquor Liability: Bodily injury or property damage caused due to intoxication of any person or giving alcoholic beverages to a person under the legal drinking age or under the influence of alcohol.
  • Employer's Liability: It does not covers bodily injury of an employee performing duties related to the conduct of the insured (policyholder) business.
  • Pollution: Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, release of "pollutants at the location which is or was at any time owned or occupied by any insured.

For detailed list of exclusions, please read policy wordings.

Claims can be registered on our website or by calling the ILGIC call centre or by reporting by email to the relationship manager.

  1. Claim Information:
    On mail
  2. LOR Request:
    List of requirements to be share by the sales team
  3. Submission of internal reports:
    To be submitted by insured
  4. Investigation Reports:
    Final claim amount to be shared with final investigation report
  5. Seeking Documents:
    DV to be signed by insured
  6. Remittance:
    Payment of claim amount
  • Must have the properly filled in claim form with right information.
  • Medical certificates in case of bodily injury, illness, disease or death. Copies of evidence and proof.

Yes CGL will cover both premise and product liability arising due to product consumption or usage, bodily injury and property damage.

Yes you can. We offer policies with retroactive date carried forward from the expiring policy in case the policy is renewed with us in continuity of policy period which covers any previous claim discovered in current ICICI Lombard policy.

Proposal form covering:

  • Company’s name
  • Registered Address of company
  • Risk locations to be covered
  • Sum insured
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Application status