Commercial General Liability

This policy covers third party liabilities arising from various business operations, be it premises, products and completed operations and/or advertising and personal injury.
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What do they cover?

  1. Bodily Injury & Property Damage
  2. Personal & Advertising Injury
  3. Medical Payments

Bodily Injury & Property Damage

  • Insured must be legally liable to pay damages 
  • Damages must result from bodily injury/ property damage  
  • Bodily injury/damages must result from an  accident
  • The accident must occur during policy period and in coverage territory 
  • Claim must be made against the insured during policy period (Claim-made version).
  • Damages must be with in the terms and conditions
  • Liability as per limits of insurance

Personal and Advertising Injury

  • False arrest, detention or imprisonment
  • Malicious prosecution
  • The wrongful eviction or wrongful entry
  • Defamation libel or Slander/ Product Disparagement
  • Oral/ written publication damaging person's  privacy
  • Use of another's advertising idea in  advertisement
  • Infringing on other's copyright, trade mark or slogan

Medical Expenses Cover

  • Payments made regardless of fault.
  • Payments within applicable limit of insurance.
  • Reasonable expenses paid for:
       1. First aid administered during accident.
       2. Necessary medical, surgical, x-ray, dental services etc
       3. Necessary ambulance, hospital, nursing professional and funeral services.

Exclusions

  • Payments made regardless of fault.
  • Payments within applicable limit of insurance.
  • Reasonable expenses paid for:
  • Expected or Intended Injury
  • Tobacco & EMF liabilities
  • Contractual Liability
  • Liquor Liability
  • Workmen Compensation and similar laws
  • Employers’ Liability
  • Pollution Liability
  • Aircraft, Auto or Watercraft
  • War Warlike action or Insurrection, Rebellion 
  • Damage to owned/ rented/ occupied property
  • Electronic Data
  • Damage to your product
  • Damage to your work
  • Damage to impaired property or property not physically injured
  • Recall of products, work, or impaired property
   

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