General Liability

What is Comprehensive General Liability insurance?

Comprehensive General Liability insurance is a policy that provides businesses with coverage for expenses incurred in legal defense, damages, or compensation that may be required to be paid.
This policy covers incidents of third-party bodily injury or property damage that occur in unexpected circumstances, as well as personal and advertising injuries caused by the insured's business operations while third parties are on or around the premises. It also covers losses or expenses that arise from the usage of the insured's products. By obtaining this policy, the insured (policyholder) can shift the legal burden of incurring losses and expenses during uncertain situations.

Who needs Comprehensive General Liability Insurance?

Comprehensive General Liability Insurance is essential for every small and medium-sized business to protect the insured entity against claims arising from legal liability where they are held responsible for third-party bodily injury or property damage resulting from the insured's business operations, premises, or products. It should be obtained by every new business as it covers all the risks that a business may face.

Why do you need Comprehensive General Liability Insurance?

Comprehensive General Liability Insurance provides coverage for legal liabilities arising from claims related to:

• Losses or damages resulting from third-party bodily injury.

• Personal damage .

• Advertising injury.

It also covers losses to tangible property on or around your premises or resulting from the use of your products or services. By obtaining this policy and obtaining prior consent from the insurance company within the policy period, you can protect yourself against any legal expenses incurred in such uncertain situations. This policy will allow you to continue your work smoothly without any hindrance, even in the event of liability issues.

What is covered by Comprehensive General Liability insurance?

Comprehensive General Liability Insurance protects the insured against legal liability towards third parties, such as customers, for accidents resulting in bodily injury, personal damage, advertising injury, and loss to tangible property. This coverage extends to incidents that occur on the business premises or elsewhere, wherever the insured's business operations are conducted

In the event that you or your business is sued for losses caused to a third party, the insurance company will cover all expenses associated with investigating officers and lawyers.

What is not covered by Comprehensive General Liability insurance?

Expected or Intended Injury: This exclusion pertains to bodily injury or property damage that was expected or intended by the insured. However, it does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.

Employer's Liability: The policy does not cover bodily injury to an employee who is performing duties related to the conduct of the insured's business.

Liquor Liability: This exclusion pertains to bodily injury or property damage caused due to the intoxication of any person or providing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol.