Liability Insurance for Stores

Comprehensive general liability insurance for stores protects against third-party claims for damage or loss. It covers unexpected accidents that can result in financial loss. Businesses and organizations subscribe to this policy to manage such risks.

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Liability Insurance for Stores: Inclusions

The comprehensive general liability policy offers coverage for the following.

Any liability arising within the business premises shall be compensated under comprehensive general liability policy
Any lawsuit instituted against the policyholder due to negligence shall be dealt under comprehensive general liability policy
Any damage or bodily injury caused to a third party due to fire shall be covered under comprehensive general liability policy
A comprehensive general liability policy covers personal injuries to third parties, including reputation damage caused by product advertisements in the market.
Infringement of trademark shall be dealt under comprehensive general liability policy
Cases of employee or third-party claims related to harassment or discrimination are handled under comprehensive general liability policies.

Liability Insurance for Stores: Exclusions

The following risks shall not be covered under comprehensive general liability insurance:

Any intentional injury caused to a third party is not entitled to be covered under comprehensive general liability policy
Any attempt of causing harm made by the policyholder deliberately shall be excluded from comprehensive general liability policy
Any loss or damage to the third party arises due to pollution issues shall not be obeyed under comprehensive general liability policy
Any property damage shall not be covered under comprehensive general liability policy
Any loss or damage to the public arises due to earthquake or nuclear explosions shall not be covered under comprehensive general liability policy

Explore Types of Liability Insurance

Comprehensive Liability Insurance

Contractual Liability Insurance

General Liability Insurance

Product Liability Insurance

Public Liability Insurance

Liability insurance for Stores: Add-ons

A policyholder may extend the policy coverage of a comprehensive general liability policy. He may consider addition of the following coverage in the existing comprehensive general liability policy.

Loss or damage caused due to pollution
Loss or damage caused due to act of God such as earthquake
Personal or reputation loss covered to a third party
Any medical expenditure incurred to a third party

Liability insurance for Stores: Claiming Process

A policyholder may follow the below mentioned steps in order to file a claim under comprehensive general liability policy.

The policyholder should inform the insurance company with regard to the loss or damage caused to a third party in the business premises
The policyholder must appraise the insurance company immediately after acknowledgement of such incident
The policyholder must issue a claim from the insurance company
The policyholder must fill the claim form correctly
The policyholder is required to provide the necessary document which might be asked by the insurer
The insurance company shall appoint a surveyor to investigate the claim
The investigator shall verify the claim and make a report
The report shall be submitted to the insurance company
Based on the report submitted by the investigator or surveyor, the insurance company shall either accept or reject the claim
The insurance company shall compensate the policyholder upon accepting the claim
The insurance company shall inform the policyholder if the claim is rejected along with the grounds of rejection

FAQs

Q: What if an employee sues the employer on grounds of mental harassment?

Ans: Such issue shall be dealt and covered under comprehensive general liability policy. The insurance company shall appoint an attorney to represent the policyholder in the court. In addition, the filing fee and other courts fee shall be borne by the insurance company.
Q: What if the judgment of the court is pronounced in favour of the third party?

Ans: Under such circumstances the insurance company shall pay what the decree or judgment of the court prevailed.
Q: Is trademark breach covered under comprehensive general liability policy?

Ans: Due to advertisement or at the launch of a product, the policyholder might be sued for trademark breach. Such matter shall be dealt and covered under comprehensive general liability insurance policy.
Q: What if a bodily injury inflicted to a third party?

Ans: Such risks shall be covered under comprehensive general liability policy if the harm is caused accidently. However, deliberate harm shall remain excluded from the purview of comprehensive general liability insurance policy.

Liability Insurance Companies

IFFCO Tokio CGL Insurance

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Disclaimer: Above mentioned insurers are arranged in alphabetical order. Policybazaar.com does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

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Policybazaar for Business - Comprehensive Liability Insurance - Customer Reviews

View all 27 reviews

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out of 5

Based on 27 reviews

1 users

15 users

11 users

0 users

4.3 April 09, 2023

Shubh

Competitive Premiums

The premiums offered by PolicyBazaar for the Comprehensive General Liability Insurance are competitive, considering the extensive coverage and top-notch customer service they provide.Truly recomend it.

Ludhiana

4.3 March 28, 2023

Prakhar

Worth Buying

PolicyBazaar worked closely with me to tailor the coverage to meet the specific needs of my business.Worth buying.

Dehradun

3.8 March 16, 2023

Veer

Wide Coverage

One of the most significant aspects of this insurance is its coverage. It provides extensive protection against a wide range of liabilities, including bodily injury, property damage, etc. Thanks for the policy PB

Lucknow

3.8 March 04, 2023

Akash

Peace Of Mind

I have been a satisfied customer of PolicyBazaar for several years now. It offers a comprehensive and reliable safety that has given me peace of mind and allowed me to focus on growing my business without constant worry about unforeseen events.Thankyou PB.

Bareilly

3.8 February 20, 2023

Ram

Claim Process Is Hassle Free

PolicyBazaar's claims process is efficient and hassle-free. In the unfortunate event of a claim, they handled everything swiftly and professionally, ensuring a smooth resolution without unnecessary delays. This reliability and promptness have further strengthened my trust in their services.Thankyou.

Delhi

4 February 20, 2023

Rohan

Great Customer Support

PolicyBazaar can help you get your Insurance as I am in the construction Industry and needed some guidance on risk concerns. I contacted PolicyBazaar Team, whO explaned to me the process to get the Insurance. Thank you PolicyBazaar.

Jamshedpur

3.8 February 16, 2023

Aditi

Damages Covered

I recently purchased CGL insurnace from PolicyBazaar. They helped me to cover my damages. Thankyou.

Jamshedpur

4 February 12, 2023

Neha

Helpful Team

We were looking to buy Comprehensive General Liability Insurance Plan that protects Third party property from any accidental damage at my workplace. So we landed on the PolicyBazaar website. It was well managed and described all the benfits in detaill... We contacted their Customer support and dcided to buy from them. Thanks, PolicyBazaar Team

Coimbatore

3.8 February 08, 2023

Veer

All In One Platform

It is an All in one platform which provided me unique perks, Low premium prices and a fast claim settlement process. Thankyou PB. Excellent platform.

Vadodara

4.3 February 04, 2023

Amar

Good Package

Got a really good coverage. Thanks, PolicyBazaar

Lucknow

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The details of insurance coverage, inclusions and exclusions are subject to change as per solutions offered by insurance providers. The content has been curated based on the general practices in the industry. Policybazaar is not responsible for the factual correctness of these details.

Liability Insurance for Stores

Liability Insurance for Stores: Inclusions

Liability Insurance for Stores: Exclusions

Liability insurance for Stores: Add-ons

Liability insurance for Stores: Claiming Process

FAQs

Q: What if an employee sues the employer on grounds of mental harassment?

Q: What if the judgment of the court is pronounced in favour of the third party?

Q: Is trademark breach covered under comprehensive general liability policy?

Q: What if a bodily injury inflicted to a third party?

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