Commercial General Liability Policy Cover Plan

Commercial General Liability

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.

Features

Injury & Damages

The policy offers the option of protection for bodily injury, property damage, advertising injury and personal injury to a third party for which a company is found to be legally liable.

Additional Coverage

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

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 choose HDFC ERGO General Insurance?

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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

All the Support you need 24* 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.