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Know your policy
Everything you need to know
What is CGL Insurance
When Someone Gets Hurt, We Step In Commercial General Liability covers third-party claims for bodily injury or property damage arising from your business operations or premises. It typically also covers personal and advertising injury (libel, slander), and legal defence costs – protecting cashflow from lawsuits and settlements.
Why Is This Policy Vital?
Because one accident can mean bankruptcy Premises risk is real – slips, trips or falling signage can lead to medical and legal bills.
Vendor & contract clauses often demand CGL as a prerequisite for work or events.
Advertising or reputational claims (social media takedown or defamation) are rising – CGL’s advertising injury element helps.
Know your policy
Understand your insurance before buying
Who Needs CGL?
Retail Chains & Shops
Customer injuries & in-store damage.
Events & Exhibitions
Audience injury and stall damage exposure.
Contractors & Site Managers
Third-party property damage during work.
Restaurants & Hotels
Foodborne illness claims, slip & fall.
SaaS / Offices with physical premises
Customer visits and premises liabilities.
Types / Add-ons Commonly Offered
Premises & Operations Liability
Covers injury or damage tied to your site or daily operations.
Products & Completed Operations Liability
Covers claims arising after your product or work is delivered.
Personal & Advertising Injury (libel / slander)
Reputational and marketing-related claims.
Legal Defence Costs / Indemnity Extension
Legal representation costs, even for unfounded claims.
Tenant's Liability (for rented premises)
Damage cover for businesses on rented premises.
Cross-liability (multiple insured parties)
Covers claims between multiple insured parties.
What CGL Pays For
Third-party Bodily Injury
Medical and legal costs.
Third-party Property Damage
Repair or replacement costs.
Legal Defence & Settlement Costs
Representation up to policy limit.
Advertising Injury
Libel, slander, IP missteps.
Products Liability
If included in your policy.
Tenant's Liability
Damage to rented premises.
Medical Expenses
On-site first aid costs.
Cross-liability settlements
Between multiple insured parties.
Inclusions & Exclusions
✓Inclusions
- Third-party bodily injury & property damage arising from operations/premises.
- Legal defence costs up to policy limit.
- Personal & advertising injury claims (per policy wording).
- Products & completed operations (depending on wording).
✗Exclusions
- Intentional or criminal acts by insured.
- Contractual liabilities assumed beyond policy unless endorsed.
- Contractual liabilities assumed beyond policy unless endorsed.
- Employee injury (should be under workers’ compensation).
Faq's
No - employee injuries are typically covered under workers' compensation or employer's liability, not CGL.
Yes - online defamation, copyright takedown requests or false advertising claims can trigger advertising injury coverage.
Products liability may be included under CGL if the product/completed operations extension is present; otherwise, separate product liability insurance is recommended.
Limits are based on exposure, contract requirements and industry norms - brokers usually recommend limits tied to contract caps and estimated claim size.
Some policies offer worldwide coverage or defence costs worldwide - check territorial limits and exclusions.
Yes - some CGLs allow sudden/accidental pollution endorsements, but long-term contamination usually needs specialised cover.