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What is Comprehensive General Liability insurance?

Comprehensive General Liability insurance policy is offered to the businesses by providing them cover for expenses incurred in legal defense and the damages or compensation that are required to be paid

  • In case of incidents of third party bodily injury or property damage in any unexpected circumstances
  • A personal and advertising injury caused by the insured’s business operations while third parties are in and around the premises
  • Due to usage of insured’s products This product will shift the legal burden of the insured (the policyholder) by incurring the loss and expenses during this uncertain situation.
CGL Policy
Comprehensive General Insurance

Who needs Comprehensive General Liability Insurance?

This policy is important for every small and medium sized businesses to protect the insured entity against claims arising out of legal liability where they are held responsible for third party bodily injury or property damage due to insured’s business, premises or products. It should be taken by every new business as it covers all risk a business may face.

Why you should Buy ICICI Lombard’s Comprehensive General Liability Insurance?

The need of Comprehensive general liability Insurance is more than ever before due to the following reasons

1

One point contact for all requirements

2

Better understanding of risk, effective underwriting of portfolio and better risk management

3

Dedicated Risk engineers to cater construction sector clients.

4

Financial strength and supreme claims paying capacity

Why do you need Comprehensive General Liability Insurance?

It covers legal liabilities arising out of claims for:

  • Losses or damages arising out of third party bodily injury
  • Personal damage
  • Advertising injury

Loss to tangible property in and around your premises or by usage of your product or services. The product will protect against any legal expenses incurred in such uncertain situations with prior consent of the insurance company within the policy period. It will help you to continue your work smoothly without any hindrance in spite of liability issues.

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What is covered by Comprehensive General Liability insurance?

Below are the detailed inclusions and exclusions of our Comprehensive General Liability insurance

  • It protect the insured against their legal liability towards third parties (the customers) for accidents resulting bodily injury, personal damage, advertising injury and loss to tangible property of the visitors caused by the business operations or finished products that occur in the premises or other premises wherever their business operations are conducted.
  • If you or your business is being sued for any losses caused to the third party then the insurance company will incur all the expenses of investigating officers and lawyers.
  • Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
  • Employer's Liability: It does not covers bodily injury of an employee performing duties related to the conduct of the insured (policyholder) business.
  • Liquor Liability: Bodily injury or property
    damage caused due to intoxication of any person
    or giving alcoholic beverages to a person under
    the legal drinking age or under the
    influence of alcohol.
  • Gradual Pollution: Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, release of "pollutants at the location which is or was at any time owned or occupied by any insured.

For detailed list of additional covers/extensions, please read policy wordings.

ICICI Comprehensive General Liability insurance Articles

How general liability insurance protects restaurants from foodborne illness claims

Running a restaurant means managing risks—including foodborne illnesses that can lead to serious legal and financial consequences. This blog explains how general liability insurance and public liability insurance protect restaurants from claims related to contaminated food, allergic reactions, and hygiene breaches. It covers everything from legal defence costs and product liability to business interruption and crisis communication support. Learn how the right insurance plan helps you handle customer compensation, recall costs, and reputation recovery while ensuring regulatory compliance. If you're in the food business, this guide is essential for understanding how to safeguard your operations and your brand.

15 Apr 2025
What is Comprehensive General Liability Insurance?

Residential and commercial properties are exposed to many natural and man-made perils such as earthquake, tsunami, fire, storm, theft, and burglary. These unforeseen perils can occur anytime and cause severe damage to the property and its contents, resulting in huge financial losses for the property owner. Property insurance can protect the property owner from incurring such losses.

03 April, 2022
What is Comprehensive General Liability Insurance?

Comprehensive General Liability insurance is a policy offered to various businesses to provide them with an agency to pay off the expenses spent in legal defence and pay the compensation amount. Businesses use this policy to protect themselves from incidents arising from third-party bodily injury or unexpected property damage. Furthermore, this policy also covers personal and advertising injury caused by the insured’s business operations in the presence of a third party.

29 August, 2022

Get answers to common questions about Comprehensive General Liability insurance

What is covered in Comprehensive General Liability Insurance?

Comprehensive General Liability insurance policy is offered to the businessmen by providing them legal security and insuring against any unexpected circumstances which may leads to bodily injury, personal damage, advertising injury and loss to tangible property of the customers caused by the business operations or finished products that occur in the premises or other premises wherever their business operations are conducted.) by incurring the loss and expenses during this uncertain situation.
Product liability compensation depends on the extent of damage to the third party in insured premise.
  • The product manufacturer or the trader
  • Immediate basis
If it is required then one needs to appoint a lawyer to defend oneself. The lawyer fees will be compensated by the company if claim is payable within the policy.

What is covered in Comprehensive General Liability Insurance?

Third party bodily injury or property damage arising due to the defects in the products are covered under this policy. Erection All Risk Policy provides cover for electromechanical projects, erection of various type of plants and T&D network.
  • Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
  • Liquor Liability: Bodily injury or property damage caused due to intoxication of any person or giving alcoholic beverages to a person under the legal drinking age or under the influence of alcohol.
  • Employer's Liability: It does not covers bodily injury of an employee performing duties related to the conduct of the insured (policyholder) business.
  • Pollution: Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, release of "pollutants at the location which is or was at any time owned or occupied by any insured.

For detailed list of exclusions, please read policy wordings.

Will this policy cover my premise and product liability?

Yes CGL will cover both premise and product liability arising due to product consumption or usage, bodily injury and property damage.
Yes you can. We offer policies with retroactive date carried forward from the expiring policy in case the policy is renewed with us in continuity of policy period which covers any previous claim discovered in current ICICI Lombard policy.
Proposal form covering:
  • Company’s name
  • Registered Address of company
  • Risk locations to be covered
  • Sum insured

What is the claim settlement process?

Claim Information:
On mail
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LOR Request:
List of requirements to be share by the sales team
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Submission of internal reports:
To be submitted by insured
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Investigation Reports:
Final claim amount to be shared with final investigation report
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Seeking Documents:
DV to be signed by insured
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Remittance:
Payment of claim amount
  • Must have the properly filled in claim form with right information.
  • Medical certificates in case of bodily injury, illness, disease or death.
  • Copies of evidence and proof.

UIN No. IRDAN115CP0001V01202021

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