Comprehensive General Liability Insurance

The comprehensive general liability (CGL) policy is a wider form of cover than the public liability insurance policy. The CGL policy provides coverage for liability (including legal defence costs and expenses) for death, bodily injury and/or property damage to any third party arising out of business activities of the insured. The coverage can be extended to include Product liability and/or liability for completed operations.

The following are some of the common extensions included under the CGL Policy depending upon the business of the insured :

• Personal & advertising injury
• Liability to property under care, custody and control
• Property being worked upon
• Principal’s existing surrounding property
• Contingent automobile liability
• Employers liability
• Contractual liability
• Landlord’s liability toward tenants
• Tenant’s liability toward landlord
• Food and drinks liability
• Liability arising out of usage of swimming pools, gymnasium
• Liability arising out of lifts, elevators, escalators
• Car park liability

The CGL policy is generally taken on an umbrella basis to provide coverage to the entire business operations of a company/group with substantially high liability limits. The policy can be taken as ‘primary policy’ or on an ‘excess of loss’ basis.