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Insure Your Business the Comprehensive Way

Commercial General Liability Insurance

The Commercial General Liability Insurance protects the insured against the legal liability of paying compensation for physical injury or damage to property in relation to the Insured’s business. Basically, any liability occurring out of the Insured’s compound, products or operations get included.
  • Requirements

    The Commercial General Liability Insurance (CGL) offers coverage against claims of physical injury or property damage in relation to the business of the Insured. An extensive range of Liability loss exposures occurring out of the Insured’s compound, products or operations get included in the Commercial General Liability Insurance.

Features & Benefits

  1. Depending on the policy form chosen, the policy can operate on an occurrence basis or a claim-made basis.
  2. The Limit of Indemnity is aggregate limit available for all Claims under the Policy.
  3. The Policy extends to pay to or on behalf of:
    1. Any director, executive officer or worker of the Insured
    2. Any Principal, in respect of that Principal’s vicarious liability for the negligent acts or omissions of the Insured
    3. The officers, committee and members of the Insured’s canteen, social, sports, first aid/ medical, fire fighting and employee welfare organizations in their respective capacity as such; or
    4. The legal personal representative of any person entitled to indemnity under the policy in circumstances giving rise to indemnity under this policy.

Comprehensive General Liability Insurance provides comprehensive protection against:

  • Legal liability to pay compensation for physical injury and/or damage to property in relation to the business of the insured.
  • Associated legal costs and expenses sustained by the Insured with prior consent of the Insurer.

Subject to the terms and conditions of the policy, the insured will be covered for payments in respect of

  • Claim adjustment expenses
  • Reasonable expenses (other than claim adjustment expenses) incurred by the insured to assist in the investigation or defense of such claim or suit

Important Extensions

The Comprehensive General Liability Insurance policy can be extended to include the following:

  • Medical Expenses Cover
  • Personal & Advertising Injury
  • Cover for Goods in Care Control and Custody of the Insured
  • Sudden & Accidental Pollution Cover
  • Liability arising out of Terrorism

Based on the exposure to risk, the above may cost an additional premium. Additional extensions on the request of the Insured can also be considered by the Company.

This is not an exhaustive list. For a detailed list of inclusions & other details, please read the policy wordings.

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The Client has highly appreciated the inputs and report from Mr. Sudhanshu.
Its because of him we were able to convince the client to move to Liberty along with local sales support.​

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We find the report is very exhaustive in bringing out the risk exposures and the works the client has to carry out for risk elimination. Surely the client will be benefited by the suggestions you have put forth.​


The contents of your newsletter are quite interesting and informative.

This will help in creating awareness in the industry about the loss prevention and good maintenance.

Thanks for the good work you are doing.​


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Registration Number: 150 | ARN- ADVT/2017/May/22 | CIN: U66000MH2010PLC209656

© 2017 Liberty Videocon General Insurance Co. Ltd.

Reg Office: 10th floor, Tower A, Penisuala Business Park, Ganpat Rao Kadam Marg, Lower Parel, Mumbai - 400013

Trade Logo displayed above belongs to Liberty Mutual and used by the Liberty Videocon General Insurance Company Limited under license. For more details on risk factors, terms & conditions please read sales brochure carefully before concluding a sale.