Foundation Business Protection

🏢 Commercial General Liability

Comprehensive liability insurance that protects your business against claims of bodily injury, property damage, and advertising liability.

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🤝Dedicated Claims Manager

🧾GST Input Credit eligible

What Is It?

Understanding Commercial General Liability

Commercial General Liability (CGL) insurance is the foundation of any business insurance program. It protects your business from financial loss arising from claims of bodily injury or property damage caused to third parties by your business operations, products, or employees. CGL is often required by landlords, clients, and contractual agreements.

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Key Numbers

Quick facts that matter for your business decision.

3 min

Policy Issuance

30+

Insurer Options

₹500Cr

Claims Settled

10K+

Happy Clients

Coverage Details

What's Covered

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Bodily Injury

Covers medical costs, loss of income, and compensation for third parties injured at your premises or by your operations.

🏠

Property Damage

Protection for damage caused to third-party property during your business operations or by your employees.

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Advertising Injury

Coverage for claims of defamation, copyright infringement, or false advertising in your marketing materials.

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Legal Defense

Complete legal defense coverage including lawyers' fees, court costs, and expert witness expenses.

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Completed Operations

Extended coverage for injury or damage arising from completed work or services after project handover.

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Contractual Liability

Coverage for liabilities assumed in contracts and agreements that meet the policy's definition of insured contracts.

Who Needs It?

Is This Right for Your Business?

This policy is essential for businesses across these sectors.

🏪 Retail Businesses

🏗️ Contractors

🏭 Manufacturers

🍕 Restaurants

🎪 Event Organisers

🏢 Office Businesses

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Flexible EMI options on annual premiums above ₹10,000

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GST Input Credit available on all business insurance premiums

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Dedicated Claims Manager assigned from day one

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Digital Policy

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Claims Support

FAQ

Common Questions about Commercial General Liability

Is CGL mandatory in India? ▾

CGL is not legally mandated but is required by many landlord leases, client contracts, and event venues. It is considered essential for any physical business operation.

Does CGL cover my employees? ▾

No. CGL covers claims by third parties (customers, visitors, contractors). Employee injury is covered separately under Workmen's Compensation Insurance.

What is the difference between occurrence and claims-made CGL? ▾

Occurrence-based CGL covers incidents that occur during the policy period, even if the claim is filed later. Claims-made covers claims filed during the policy period. Occurrence-based is generally more comprehensive.