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Question:

What does Comprehensive General Liability Insurance cover?

Answer

Comprehensive General Liability (CGL) Insurance provides broader coverage than public liability insurance, protecting against liabilities for death, bodily injury, or property damage to third parties due to business activities.

A CGL Policy covers product liability apart from the normal operational liabilities covered in Public Liability insurance. In a broader form, it can cover the following:

  • Personal and advertising injury
  • Product liability
  • Employer's liability
  • Landlord and tenant liabilities
  • Liabilities related to pools, gyms, and car parks

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