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Commercial General Liability

Under this section the company will indemnify the insured against those sums that he’ll become legally liable to pay as damages because of bodily injury or property damage to a third party. This amount will however be limited to the amount described as the Limits of Insurance in the Policy Schedule. The insurance company will have the right and the duty to defend the insured against any suit seeking those damages. The insurance will apply to bodily injury or property damage only when the bodily injury or property damage is caused by an occurrence that takes place in the coverage territory within the policy period.

In countries where the law of the laws of the territory don’t permit the insurance company to defend, the insurance co. will reimburse the insured for the defense costs, subject to insurance company’s prior authorization in writing.

1. Expected or intended injury
2. Contractual Liability
3. Liquor Liability
4. Workmen’s Compensation
5. Employer’s Liability
6. Pollution
7. Aircraft, Auto or Watercraft
8. Mobile Equipment
9. War
10. Damage to Insured’s Property
11. Damage to Insured’s Products
12. Damage to Impaired Property or Property not physically injured
13. Recall of Products, Works or Impaired property
14. Employment Related Practices
15. Personal or Advertising Injury
16. Asbestos & Nuclear Reactions

Under this section the company will indemnify the insured against those sums that he’ll become legally liable to pay as damages because of Personal & Advertising Injury to which the insurance applies. This amount will however be limited to the amount described as the Limits of Insurance in the Policy Schedule. The insurance company will have the right and the duty to defend the insured against any suit seeking those damages. The insurance applies to personal and advertising injury caused by an offense arising out of your business, but only if the offense was committed within the coverage territory within the policy period.

The insurance doesn’t apply to Personal & Advertising Injury:

1. Caused by or at the direction of the insured.
2. Arising out of oral or written publication of material if done at the direction of the insured with the knowledge of its falsity.
3. Arising out of oral or written publication of material whose first publication took place before the policy inception.
4. Arising out of criminal act committed by or at the direction of the insured.
5. For which the insured has assumed liability under a contract or agreement.
6. Arising out of breach of contract.
7. Arising out of failure of goods, products or service to conform with any statement of quality or performance made in the insured’s advertisement.
8. Arising out of wrong description of the price of goods, products or service stated in the insured’s advertisement.
9. Arising due to pollutants.
10. Arising due to war or related activities.

The company will pay for the medical expenses as described below for bodily injury caused by an accident caused by an accident:
At the insured’s premises
On ways next to the premises owned by the insured
Because of insured’s operations

Provided the accident takes place within the coverage territory within the policy period,and the accident is reported to the insurance company within 30 days of the date of accident.
These payments will be made regardless of fault, the payments will not exceed the applicable limit of insurance. Reasonable expenses will be paid for:

1. First aid administered at the time of an accident.
2. Necessary medical, surgery, X-Ray, and dental services including prosthetic devices.
3. Necessary ambulance, hospital, professional nursing and funeral expenses.

Insurance company will not pay for bodily injury:

1. To the Insured.
2. To Any person hired or employed by the insured or a tenant of the insured.
3. To a person injured on that part of the premises that the insured owns or rents that the person normally occupies.
4. To a person whether or not employed by the insured, if the benefits for the bodily injury are payable under WC Policy or disability benefits law or a similar law.
5. To a person injured while taking part in athletics.
6. Included within the Products-completed operations hazard.
7. Excluded under Coverage-A
8. Due to war or condition incident to war.

There are various supplementary payments over & above the costs mentioned above that are made to the insured by the Insurance Company.
Salient Features of CGL Policy:

• Duty to Defend Policy
• Can be offered on both Claims Made & Occurrence based forms
• Provides Comprehensive Coverage
• Provides Worldwide Coverage
• Advantage of Refund Clause
• Vendor’s Interest can be added to the policy