Comprehensive General Liability (CGL)

Policies issued shall cover all sums which the Insured shall become legally liable to pay as damages in consequence of accidental death/bodily injury or disease to Third Parties and/or loss of or damage to Third Party property arising out of  :

• any defect in the products manufactured and covered under the Policy after such products have left the Insured’s premises
• arising out of accidents occurring in the insured premises and other than your named premises wherever insured conducts his business / operations

This policy is a combination of Product and premises cover with additional extensions which make this one of the most preferred liability policies worldwide, The basic structure of the policy is as below :

• General Liability cover – within named premises and outside named premises (provision of location independent cover)
• Product liability + Completed operations – Not only your product can be covered but also completed operations like commissioned machinery, designed interiors after the same have been completed and handed over to your clients
• Personal and Advertising Injury including Libel, Slander – Coverage to extend beyond primary bodily injury and property damage. This feature provides reputation damage coverage towards third parties
• Fire Damage – A first and third party loss occurring due to fire during your business operations

Medical Expenses – No fault provision of providing primary medical care for accidental injuries