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Comprehensive General Liability (CGL)

Comprehensive General Liability (CGL)
Comprehensive General Liability (CGL)

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.