Commercial General LiabilityCommercial General Liability

Commercial General
Liability

  • Introduction
  • What’s covered?
  • What’s not covered?
  • Why Choose HDFC ERGO?

Introduction

The typical Commercial General Liability (CGL) policy provides protection against claims of bodily injury or property damage for which your business may be liable. The Commercial General Liability insurance covers a wide range of Liability loss exposures faced by most organisations; it is the foundation for most organisations’ Liability insurance programs.

HDFC ERGO’s Commercial General Liability protection responds to exposures some of which didn't exist 10 years ago. For example, the rapid rise of the Internet has dramatically increased the potential for libel, intellectual property and invasion of the right of privacy suits. Typical standard policies do not adequately respond to these contingencies.

 

What's Covered?

cov-acc

The policy offers the option of protection for bodily injury, property damage, advertising injury and personal injury Read More...

cov-acc

It can provide a separate advertising/personal injury aggregate limit that is not Subject to a general aggregate limit.

What's not covered?

cov-acc

Expected or intended injury

cov-acc

Contractual Liability

cov-acc

Worker’s Compensation and similar laws

cov-acc

Pollution

cov-acc

Damage to your property

cov-acc

Damage to your product

cov-acc

Damage to your work

cov-acc

Aircraft, Auto or Watercraft

cov-acc

Professional Liability

cov-acc

Personal and Advertising Injury

cov-acc

Electronic data

Extensions

 
  • Products-completed operations hazard
  • Medical expenses coverage
  • Damage to premises rented to you
  • Sudden & accidental pollution liability (excluding USA & Canada)
  • Coverage for additional insured when required by written contracts
  • Advertising injury and personal injury liability coverage
  • Vendors endorsement
  • Oral and written contractual liability: bodily injury/property damage

Definitions

 
  • Personal injury includes discrimination, harassment and segregation (other than employment-related)
  • Bodily injury includes humiliation, mental anguish, mental injury and shock resulting from physical injury
  • Advertising injury includes trademark infringement
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY: 18-19.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements endlessly. By providing wide range of plans for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the ICAI Award of the Year and excellence in financial reporting for the year FY:18-19.
Awards & Recognition
x