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    Commercial General Liability Insurance

    Broad liability coverage for businesses against property damage, bodily injury & personal injury claims. Comprehensive commercial protection.

    Key Coverages

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    Commercial Insurance

    Commercial General Liability Insurance

    PublicLiabilityInsurance

    Key Features

    One Policy, Total Protection

    Coverage Highlights

    Comprehensive coverage for your business
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    • Coverage for Legal Liability

    Provides coverage for legal liability arising from accidental bodily injury or property damage caused due to insured’s business operations

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    • Defence Costs

    Covers defence costs incurred with the insurer's prior written consent

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    • Indemnity Limit

    Includes a limit of indemnity, which is the maximum amount the insurer will pay for claims, including damages and defence costs

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    • Personal & Advertising Injury

    Covers defamation, copyright claim and privacy violations

    Inclusions

    What’s covered?
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    • Bodily Injury & Property Damage Liability

    Covers legal expenses and compensation if third parties suffer injury or property damage due to business operations

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    • Personal & Advertising Injury

    Protects against claims like defamation, copyright infringement in ads, and invasion of privacy

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    • Medical Payments

    Pays for medical expenses of third parties injured on business premises, regardless of fault

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    • Products & Completed Operations Liability

    Covers liability arising from defective products or completed services that cause harm

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    • Tenant’s Legal Liability

    Protects against claims for accidental damage caused to rented premises

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    • Legal Defence Costs

    Covers lawyer fees and court expenses related to covered liability claims

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    • Business Operations

    Applies to claims arising during your business operations

    Exclusions

    What’s not covered?
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    • Deliberate Non-Compliance

    Claims arising from deliberate non-compliance with statutory provisions are not covered

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    • Loss of Goodwill or Market

    Loss of goodwill or market value is not covered

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    • Contractual Liability

    Claims arising from contractual obligations or guarantees are not covered

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    • Pollution

    Claims related to pollution or environmental damage are not covered

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    • Fines and Penalties

    Claims related to fines, penalties, or punitive damages are not covered

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    • Insolvency

    Claims arising from the insolvency or bankruptcy of the insured are not covered

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    • Product Recall Costs

    Costs incurred in recalling products are not covered unless you have opted for the cover

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    • Repair Costs

    Costs incurred in repairing defective products are not covered

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    • Aircraft Products

    Any product used as part of an aircraft is not covered

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    • Note

    Please read policy wording for detailed exclusions

    What is Commercial General Liability Insurance?

    A commercial general liability insurance (CGL) is a foundational business policy that adds a cushion against financial losses. If you are a business owner, with this type of insurance, you can protect your company or business against financial losses arising from third-party claims for bodily injury, property damage, and other liabilities related to business operations.

    This covers the cost of lawsuits, compensation for such incidents and protects your business from defamation, copyright infringement, etc. Conversely, without general liability insurance in place, you may have to pay for such expenses out of pocket. To protect your business capital and ensure a smooth operation, explore this insurance option.

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    Quick Overview

    • 1

      Comprehensive Coverage: Covers third-party liabilities arising from bodily injury, property damage, and related legal expenses.

    • 2

      Product Liability Coverage: Provides protection against liabilities arising from injury or damage caused by your products.

    • 3

      Advertising Injury Protection: Covers claims related to defamation, copyright infringement, and other advertising-related liabilities.

    • 4

      Tenant's Liability: Protects against claims for damage caused to rented premises due to your business operations.

    • 5

      Legal Defence Costs: Covers legal expenses, including court fees and lawyer's charges, in the event of a lawsuit.

    • 6

      Easy Policy Purchase: Buy coverage quickly and conveniently through a simple online process.

    • 7

      Smooth Claims Process: Receive timely claim settlement by submitting the required incident details and supporting documents.

    • 8

      Customer Support: Access dedicated assistance for policy-related queries and claim support.

    Read More

    Why do you Need Commercial General Liability Insurance?

    You need commercial general liability insurance coverage for your business, as unfortunate mishaps happen. If such mishaps impact the other party and may lead to expensive consequences. With this insurance, you cover your business from financial liabilities due to property damage, injuries, or harm due to a faulty product or service.

    A CGL policy helps cover legal defence costs, compensation payments, and settlement expenses arising from covered claims. For example, if a customer is injured on your premises or suffers damage due to a product or service you provide, the policy can help manage the resulting financial liabilities. By protecting your business against such risks, Commercial General Liability Insurance enables you to operate with greater confidence and financial security.

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    What is Covered by Commercial General Liability Insurance?

         Before you cover your business with commercial general liability insurance, you must learn which risk aspects it covers. Having them noted prevents sudden surprises while making a claim:
    1
    Covers compensation if a third party is injured on your premises or property damage occurs due to your business operations.
    2
    In terms of an injury on your premises, it covers the medical expenses that a third party sustains.
    3
    Protects your business capital against lawsuits due to copyright infringement in ads, privacy invasion, defamation, etc.
    4
    Due to a faulty product or a completed service, if a consumer gets harmed, it covers their expenses too.
    5
    For businesses on rented property, commercial general liability insurance covers costs for accidental damage on rented premises.
    6
    For lawsuits arising against your business, on the grounds of covered liabilities, it pays for court expenses and lawyer fees.
    7
    This insurance applies to claims arising from covered incidents that occur during your day-to-day business activities and covers expenses.
     

    Documents Required to Buy a CGL Insurance Policy

    As you understand its wide range of coverage protecting your business capital, it is necessary to submit important details to buy this policy. The following are some key details you must submit to get a customised commercial general liability policy suiting your business profile:
    1
    On the insurance application form, mention the registered name of your business with address, size and other crucial details.
    2
    You may need to attach business ownership proofs, licenses, partnership agreement (depends on company type), etc.
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    Provide financial statements like profit or loss statements, balance sheets, etc., to assess your revenue capacity.
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    Mention the number of employees you employed for your business operations and the nature of your business.
    5
    For the documentation step, you may need to mention in detail the products you manufacture or the services your business renders.
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    Inform about any primary risk management measures installed or available at your business premises.
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    Also, mention the previous claim history. If you made a claim earlier, provide relevant documents for risk assessment.
     

    Who Gets Covered Under Commercial General Liability Insurance?

    To make an informed insurance purchase decision, you must understand which entities get coverage under commercial liability insurance. Here is a detailed view of eligible entities for who gets coverage:
    1
    A business owner covering their own business with this insurance gets coverage along with their spouse.
    2
    Manufacturers who are looking for protection for factories, inventory and machinery.
    3
    If it is a partnership or a joint venture, its partners, members, and their spouses also get coverage.
    4
    Other organisations than a partnership or a Joint Venture, its directors and executive officers are covered. Shareholders, as per their liability, also get coverage.
    5
    Employees of an insured business get coverage for acts they perform that fit within their employment scope.
    6
    Coverage of a commercial general liability insurance policy often includes coverage for contractual and seasonal workers.
    7
    If specified, businesses can extend coverage to vendors and contractors under this general liability cover.
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    As an add-on, a business can also include landlords who lease their property for its operations, ensuring all crucial stakeholders get coverage.
     

    Why Businesses needs Commercial General Liability Insurance?

    While you are looking for adequate insurance to protect your business against liabilities, you must note that, regardless of business size or type, it is a crucial component. Take a look at the section below and understand why businesses need it: 
    1
    Retail businesses are exposed to liability as customers frequently visit their premises, increasing the chances of injury and product-related harm.
    2
    Manufacturers, sellers, and distributors need commercial general liability insurance as they are also prone to product liability risks.
    3
    Construction businesses need this insurance as their activities are prone to property damage, third-party injuries, completed work issues, etc.
    4
    Businesses working under contracts need general liability insurance, as it may be mandatory to begin work.
    5
    Businesses that sell food and beverages, such as restaurants, need this coverage to protect against expenses arising from consumer claims related to food-borne illnesses.
    6
    Small to medium-sized businesses or startups need this insurance as their capital is generally limited and a legal concern can financially drain them.
     

    Things to Consider When Purchasing a Commercial General Liability Insurance Policy

    As you gather an understanding of the necessary aspects of commercial general liability insurance, you must also consider some crucial factors before opting for it. Here is a detailed breakdown of these factors for an informed purchase:

    1

    Extent of the Coverage

    To ensure a smooth business operation, you should consider broader coverage in commercial general liability insurance. Hence, ensure that it covers third-party injuries, property damage, lawsuits regarding advertisements and others.

    2

    Indemnity Limit

    It is the maximum amount that your insurer will pay when a covered event occurs. Align the risk exposure of your business with the indemnity while choosing general liability insurance.

    3

    Defense Costs

    By now, you have understood that a legal lawsuit may occur as a result of your business operations. Hence, ensure that legal expenses come within or outside its indemnity limit.

    4

    Review Exclusion Criteria

    Before buying a commercial general liability insurance, review the brochure for exclusions. For example, you do not get coverage on claims due to non-compliance, insolvency, pollution, fines, repair costs, etc.

    5

    Add-ons and Policy Extensions

    Another factor that you may need to consider is add-ons. For example, whether add-ons like tenant’s legal liability or others are necessary or not and opt for them accordingly.

    Why Should You Choose Bajaj General Commercial General Liability Insurance?

    Purchasing commercial general liability insurance from Bajaj General Insurance brings you a wide range of benefits. Take a look at each of them to understand our offerings in detail:

    • Get Extended Coverage

      With Bajaj General Insurance, benefit from total protection for your business through one policy. Protect your capital against third-party risks and lawsuits that you may encounter as your business operates.

    • Cover Key Stakeholders

      With commercial general liability insurance from Bajaj General Insurance, you can extend coverage to your partners, members, employees, and more. Bring your stockholders or your landlord under the policy umbrella for streamlined coverage.

    • Get Your Defence Costs Covered

      As you have seen, lawsuits may eat up a chunk of your business capital, and we understand how it impacts you. With us, you can cover defence expenses without affecting your coverage limit.

    • Scope of Customisation

      At Bajaj General Insurance, you get to customise your general liability insurance according to your requirements. From an array of coverage options, choose the ones you need and optimise expenses.

    • Ease of Policy Issuance

      Make the purchase journey of a general liability insurance at Bajaj General Insurance smooth, as the process is online. Fill out the form, get a quote, pay and receive policy details.

    • Make a Quick Claim

      Claim your commercial general liability insurance at Bajaj General Insurance faster. Contact us through customer service touchpoints, provide incident details (with evidence) and upon investigation, get your settlement.

    • 24*7 Customer Assistance

      When an unfortunate event occurs, it is quite natural to panic. However, our 24*7 customer assistance channels are there to get prompt help with your queries and claims.

    • Faster Renewal

      Similar to a purchase and claim, you can renew your policy faster. Contact us, share the required details, get a quote and upon payment, receive your updated policy via email.

    • Trusted Brand

      You must opt for a reliable insurer. With decades of experience in commercial liability Insurance, Bajaj General Insurance brings unmatched reliability.

    Why Bajaj General?

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    Comprehensive Coverage

    Protects against legal & financial liabilities

    Customisable Plans

    Tailor-made policy covers to suit different business needs
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    Fast & Hassle-Free Claims

    Efficient claim settlement with minimal documentation

    Risk Mitigation Services

    Expert guidance on loss prevention and business continuity

    24/7 Customer Support

    Round-the-clock assistance for policyholders

    Step-by-Step Guide

    How to Buy Commercial General Liability Online?

    How to Buy

    • 1

      Visit the Bajaj General Insurance website

    • 2

      Fill in the lead generation form with accurate details

    • 3

      Get quote, make payment and receive the policy documents

    Know More

    How to Renew

    • 1

      Contact the Policy Issuing Office

    • 2

      Review expiring policy and share necessary details

    • 3

      Receive renewal quote

    • 4

      Make renewal payment

    • 5

      Receive the renewed policy documents via email

    Renew Now

    How to Claim

    • 1

      Contact us through our customer service touchpoints

    • 2

      Submit the claim form along with the necessary documents

    • 3

      Provide details of the incident and any supporting evidence

    • 4

      Cooperate with the claims investigation process

    • 5

      Receive the claim settlement as per the policy terms

    Claim Now

    Know More

    • 1

      For any further queries, please reach out to us

    • 2

      Toll Free : For Sales :1800-209-0144

    • 3

      Email ID: careforyou@bajajgeneral.com

    Contact Us

    Download Policy Document

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    FAQ's

    Who is liable if you are injured by a faulty product?

    The manufacturer, distributor, or seller of the faulty product can be held liable for injuries caused. Commercial General Liability Insurance helps cover the legal liabilities arising from such product-related incidents.

    Who is an insured under a CGL policy?

    An insured under a CGL policy typically includes the business owner, partners, employees acting within their duties, and sometimes volunteers, subsidiaries, and directors, depending on the policy terms.

    Can Comprehensive General Liability Insurance plans be purchased exclusively for a particular project?

    Yes, businesses can opt for a project-specific CGL policy that provides Commercial Liability Insurance Coverage only for the duration and risks associated with a particular project.

    Does Comprehensive General Liability Insurance include theft coverage?

    No, theft is generally not covered under a CGL policy. Comprehensive General Liability Insurance focuses on third-party bodily injury, property damage, and advertising injury, not theft of business assets.

    Do I need to hire a product liability lawyer? Who bears the lawyer’s fee?

    Hiring a product liability lawyer is advisable in complex cases. If covered under a CGL Insurance Policy, the insurer usually bears the legal defence costs with prior consent.

    What factors determine Commercial General Liability insurance premiums?

    Premiums are influenced by factors like business size, industry risk profile, coverage limits, claims history, employee count, and selected optional covers under the Commercial General Liability Policy.

    Where can I get commercial liability insurance quotes?

    You can easily get Commercial Liability Insurance quotes online from insurers like Bajaj General Insurance Limited, or through licensed insurance agents and brokers specializing in Commercial General Liability Insurance Policies.

    What does the CGL policy typically cover?

    The policy usually covers legal liabilities arising from bodily injury or property damage to third parties, personal and advertising injury, medical payments, and products-completed operation

    Can the CGL policy be customised?

    Yes, the policy is usually customisable to meet the specific needs of different businesses, including coverage limits and additional endorsements. Check with your insurance provider to know more.

    Does the CGL policy cover legal defense costs?

    Yes, the policy usually covers the cost of legal defense in the event of a lawsuit, even if the claims are groundless.

    What are the benefits of the CGL policy's medical payments coverage?

    The policy typically covers medical expenses for injuries sustained by third parties on your business premises, regardless of fault, providing immediate financial assistance.

    Are there any exclusions in the CGL policy?

    Yes, common exclusions include intentional misconduct, contractual liabilities, and certain professional services. Always review your policy for specific exclusions.

    How do I file a claim under the CGL policy?

    In the event of a claim, notify your insurance provider immediately. Provide necessary documents such as the insurance policy, incident report, and any relevant legal documents. The insurer will assess the claim and process it accordingly.

    What documents are required to file a claim?

    Commonly required documents include the insurance policy, incident report, legal notices, medical reports, and any other relevant documentation.

    How long does it take to settle a claim?

    The time frame can vary depending on the complexity of the claim and the completeness of the documentation provided. Prompt reporting and submission of all required documents can expedite the process.

    What should I do if my claim is denied?

    If your claim is denied, review the reasons provided by your insurance provider. You can appeal the decision by providing additional evidence or documentation to support your claim.

    Are there any exclusions in CGL policy claims?

    Yes, common exclusions usually include intentional misconduct, contractual liabilities, and certain professional services. Always review your policy for specific exclusions.

    How do I renew my CGL policy?

    In case of renewal, contact your insurance provider before the policy expiration date to discuss renewal options. Review your coverage needs and make any necessary adjustments to the policy.

    Can I make changes to my policy upon renewal?

    Yes, you can update your policy to reflect any changes in your business operations, such as new services, products, or additional coverage needs.

    What factors should I consider when renewing my policy?

    Consider changes in your business operations, potential new risks, and any past claims. Adjust coverage limits and endorsements as needed.

    Is there a grace period for renewing the CGL policy?

    Some insurers may offer a grace period, but it’s important to renew your policy before it expires to avoid any gaps in coverage.

    Can I switch insurers when renewing my policy?

    No, you cannot switch your insurer, but in case you want anything to be changed or improvised you may reach out to your insurance provider.

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    What Customer Say About Bajaj General Commercial General Liability

    Comprehensive Coverage

    I run a small manufacturing unit in Mumbai, and Bajaj General commercial general liability insurance has been a lifesaver. The policy is extensive and gives me peace of mind.

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    Varun Jesth

    Mumbai

    4.3

    Affordable Premiums

    I was worried about the cost of liability insurance, but Bajaj General offers reasonable premiums. 

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    Anamika Das

    Kolkata

    4.8

    10th Dec 2024

    Easy Online Purchase

    I purchased my General Liability Insurance online within minutes. The website was user-friendly, and I received my policy documents immediately.

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    Darsheel Batra

    Bangalore

    5.0

    11th Dec 2024

    Quick Claim Settlement

    I had to file a claim due to an accident at my restaurant. Bajaj General processed my claim quickly and without unnecessary paperwork. Highly recommend their efficient service.

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    Nupoor Nair

    Mumbai

    4.8

    16th Jan 2025

    Excellent Customer Support

    The customer service team was very helpful in explaining the liability coverage options. I run a pharmacy, and they guided me in choosing the right plan for me.

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    Amar Anand

    Hyderabad

    4.9

    19th Oct 2024

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