Accidents Happen. Legal Bills Don’t Have To.
Commercial General Liability (CGL) covers third-party bodily injury, property damage and advertising injury arising from your operations or premises. A smart legal shield for every business that invites people in or touches third-party property.
Run Your Business - Leave The Legal Mess To Us.
- Third-party injury & property damage defence and settlements.
- Advertising injury protection (libel, slander, copyright takedown suits).
- Tailored covers for premises, operations and product-related liabilities.
CGL Insurance
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What is CGL Insurance
When Someone Gets Hurt, We Step In
Commercial General Liability covers third-party claims for bodily injury or property damage arising from your business operations or premises. It typically also covers personal and advertising injury (libel, slander), and legal defence costs – protecting cashflow from lawsuits and settlements.
Why Is This Policy Vital?
Because one accident can mean bankruptcy
Premises risk is real – slips, trips or falling signage can lead to medical and legal bills.
Vendor & contract clauses often demand CGL as a prerequisite for work or events.
Advertising or reputational claims (social media takedown or defamation) are rising – CGL’s advertising injury element helps.
Who Needs CGL?
Retail Chains & Shops
Customer injuries & in-store damage.
Events & Exhibitions
Audience injury and stall damage exposure.
Contractors & Site Managers
Third-party property damage during work.
Restaurants & Hotels
Foodborne illness claims, slip & fall.
SaaS / Offices with physical premises
Customer visits and premises liabilities.
Types / Add-ons Commonly Offered
Premises & Operations Liability
Products & Completed Operations Liability
Personal & Advertising Injury (libel / slander)
Legal Defence Costs / Indemnity Extension
Tenant’s Liability (for rented premises)
Cross-liability (multiple insured parties)
Coverage - What CGL Pays For
Third-party Bodily Injury (medical, legal)
Third-party Property Damage (repair/replacement)
Legal Defence & Settlement Costs
Advertising Injury (libel, slander, IP missteps)
Products Liability (if included)
Tenant’s Liability (damage to rented premises)
Medical Expenses (on-site first aid)
Cross-liability settlements
Inclusions & Exclusions
Inclusions
Third-party bodily injury & property damage arising from operations/premises.
Legal defence costs up to policy limit.
Personal & advertising injury claims (per policy wording).
Products & completed operations (depending on wording).
Exclusions
Intentional or criminal acts by insured.
Contractual liabilities assumed beyond policy unless endorsed.
Professional errors (these fall under E&O/professional indemnity).
Employee injury (should be under workers’ compensation).
Insurance Partners
“We partner with leading underwriters for CGL & commercial liability programmes.”
FAQ's
No - employee injuries are typically covered under workers’ compensation or employer’s liability, not CGL.
Yes - online defamation, copyright takedown requests or false advertising claims can trigger advertising injury coverage.
Products liability may be included under CGL if the product/completed operations extension is present; otherwise, separate product liability insurance is recommended.
Limits are based on exposure, contract requirements and industry norms - brokers usually recommend limits tied to contract caps and estimated claim size.
Some policies offer worldwide coverage or defence costs worldwide - check territorial limits and exclusions.
Yes - some CGLs allow sudden/accidental pollution endorsements, but long-term contamination usually needs specialised cover.
Customers Says..
