Commercial General Liability (CGL) Insurance — India
Updated Aug 2025CGL protects businesses from third-party claims for bodily injury, property damage and certain advertising/personal injuries. In India, insurers follow IRDAI rules; many contracts and leases require CGL or equivalent public liability cover.
What CGL typically covers
- Bodily injury: medical costs, pain & suffering, legal defence when a third party is harmed on your premises or by your operations.
- Property damage: repair/replacement of third-party property caused by your business activities or products.
- Personal & advertising injury: libel, slander, wrongful eviction, or advertising copyright claims.
Key exclusions & complements
Commonly excluded items — purchase separate covers as needed:
- Employee injuries (Workers’ Compensation / Employer’s Liability)
- Professional errors (Professional Indemnity / E&O)
- Motor vehicle liability (Commercial Auto)
- Pollution & gradual environmental damage (Environmental Liability)
Short FAQs
- Is CGL mandatory in India?
- Not universally; however, contracts, tenders or regulators often require it—especially in construction, manufacturing and public events.
- How to report a claim?
- Notify your insurer immediately, preserve evidence (photos, CCTV, witness details), record medical reports, and cooperate fully with appointed investigators.
- Does GST apply?
- Insurance premiums in India are subject to GST—confirm current rates and invoicing with your insurer or broker.
Tip: ask your broker to confirm additional-insured endorsements and contractual wording before signing major contracts.
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