Comprehensive General 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.

Comprehensive General 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

Comprehensive General 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

Comprehensive General 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

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