Comprehensive General Liability Insurance

Comprehensive general liability insurance is a type of insurance policy that provides coverage for any loss or damage caused to the third-party whether it is a bodily injury or property. Accidents happen unannounced and when you run a business, you become responsible for any loss or damage that can be caused during your daily business operations. Hence this policy provides financial aid for all kinds of third-party liabilities.

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What is Comprehensive General Liability Insurance?

A comprehensive general liability insurance policy is designed to cover all the liabilities on behalf of the policyholder. The insurer shall pay off the damages related to bodily injuries/accidental death or third-party illnesses resulting due to:

  • Accidents taking place on the insured premises or other premises wherever your business operations are conducted
  • Liabilities arising due to manufactured products

Why do you need Comprehensive General Liability Insurance?

It is important to have comprehensive general liability insurance under the following scenarios -

  • If your business involves face to face interaction with the client
  • If you have access to the client’s assets and equipment’s
  • If you represent the business of your client in any form
  • If your business involves usage of third party sites

Comprehensive Liability Insurance Coverage

A comprehensive liability insurance plan offers compensation for bodily injuries, personal injuries, property damage, and advertising injuries for which an organization is held liable. There is a provision to opt for a separate personal injury/ advertising limit in addition to the basic aggregate limit.

Comprehensive general liability insurance covers liabilities arising due to products and premises both with additional extensions that make this one of the most preferred liability insurance policies worldwide. Some of the basic coverage benefits are mentioned below:

  • General Liability Insurance cover: Liabilities arising within the premises and beyond the named premises of the insured.
  • Completed Operations + Product Liability Cover: It covers liabilities arising due to your products including complete operations such as machinery, and any product or article that is handed over to the client.
  • Fire Damage Cover: Any damage or third party loss that has occurred due to fire during the business operation hours
  • Medical Expenses Cover: It offers medical compensation in case of accidental injuries
  • Advertising and Personal Injury Cover: Coverage is provided for reputation damages including Slander and Libel

Benefits of Comprehensive General Liability Insurance Policy

With comprehensive general liability insurance, you can enjoy peace of mind and be sure of seamless business operations. Any disruption would mean a major financial loss. Some of the major advantages of this policy are listed below:

  • You don’t need to fret about personal injuries such as harassment, discrimination, and segregation
  • Compensation is provided for bodily injuries, mental injuries, mental anguish, humiliation, and shock resulting from physical injuries
  • Advertising injuries such as trademark breaches are also covered

How to Claim Comprehensive General Liability Insurance Policy?

It is a speedy and hassle-free procedure file a claim for general liability insurance policies. It is important that you provide all the required documents that are duly filled and stamped with the claim form. For more details, you can always check with the insurance provider.

Comprehensive General Liability Insurance Policy Exclusions

The policy shall not accept claims arising due to the following reasons:

  • Intentional Injuries or Deliberate attempts
  • Pollution
  • Property damage
  • Contractual liabilities
  • Product damage
  • Work-related damages
  • Professional liabilities
  • War-related claims

The limitations will vary from one insurance provider to another.

Documents Required for Comprehensive General Liability Insurance Claim

You only need to submit the proposal form and depending on the claim the insurer will ask for the documents.

The above-mentioned reasons clearly state that buying a general liability insurance policy is a wise and smart choice. And before you decide to purchase a policy it is recommended that you compare policies, do your research and buy a policy that meets your requirements.

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