Commercial General Liability Insurance in India

Commercial General Liability (CGL) Insurance is essential for businesses in India. It protects against third-party bodily injury, property damage, and personal injury claims arising from your business operations.

Table of Contents

• What is CGL Insurance?
• Key Coverages Offered
• IRDAI Guidelines
• Exclusions
• Benefits
• FAQs

What is Commercial General Liability Insurance?

This policy covers your business against lawsuits and legal liabilities related to bodily injury or property damage caused by business operations.

Key Coverages Offered

• Bodily Injury to Third Parties
• Property Damage Coverage
• Personal & Advertising Injury
• Medical Payments

IRDAI Guidelines

The Insurance Regulatory and Development Authority of India (IRDAI) regulates CGL policies ensuring transparency and solvency standards.

Common Exclusions

• Professional errors (covered by Professional Liability Insurance)
• Employee injuries (covered by Workmen Compensation)
• Intentional damages

Benefits of CGL Insurance

• Legal and financial protection
• Business reputation safeguard
• Compliance with contracts

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FAQs

Is CGL insurance mandatory in India?
No, but highly recommended for businesses dealing with customers or third parties.

Who offers CGL insurance in India?
Top insurers include ICICI Lombard, HDFC ERGO, Tata AIG, Bajaj Allianz.