Comprehensive General Liability Insurance

The comprehensive general liability (CGL) policy is a wider form of cover than the public liability insurance policy.

The CGL policy provides coverage for liability (including legal defence costs and expenses) for death, bodily injury and/or property damage to any third party arising out of business activities of the insured.

The coverage can be extended to include Product liability and/or liability for completed operations.

The CGL policy is generally taken on an umbrella basis to provide coverage to the entire business operations of a company/group with substantially high liability limits. The policy can be taken as ‘primary policy’ or on an ‘excess of loss’ basis.

The following are some of the common extensions included under the CGL Policy depending upon the business of the insured :

• Personal & advertising injury
• Liability to property under care, custody and control
• Property being worked upon
• Principal’s existing surrounding property
• Contingent automobile liability
• Employers liability
• Contractual liability
• Landlord’s liability toward tenants
• Tenant’s liability toward landlord
• Food and drinks liability
• Liability arising out of usage of swimming pools, gymnasium
• Liability arising out of lifts, elevators, escalators
• Car park liability