Digit Comprehensive General Liability Insurance

Digit Commercial General Liability Insurance is designed to protect your business from financial loss due to third-party claims of property damage or bodily injury. Whether it's an accident on your premises, or an incident during business operations, this policy helps cover legal fees, medical expenses, and compensation costs.

₹1 Crore cover starting at ₹4,720/year⁺

Safeguard your business against

claims of bodily injury

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Digit's Commercial General Liability Insurance Inclusions

Digit's Commercial General Liability (CGL) Policy offers comprehensive coverage for various third-party liabilities that businesses may encounter, including:

Bodily Injury: Protects your business in the event a third party sustains injuries or, in severe cases, death due to incidents like slips or falls on your premises.

Property Damage: Covers expenses related to the repair, replacement, or renovation of third-party property that your business may inadvertently damage.

Injury: Provides coverage against claims arising from non-physical injuries to third parties, such as defamation or unauthorized entry.

Advertising Injury: Safeguards your business from potential losses resulting from advertising-related issues, including copyright infringement or unintentional libel and slander.

Medical Payments: Ensures that medical expenses are covered if someone is physically injured due to your business operations, regardless of fault.

Digit's Commercial General Liability Policy Exclusions

Digit's Commercial General Liability (CGL) Policy includes several key exclusions where coverage does not apply. Some of them are as follows:

Intentional Acts: Claims arising from deliberate actions causing injury or damage are not covered.

Professional Services: Liabilities resulting from the rendering or failure to render professional advice or services are excluded.

Product Recall: Expenses related to recalling defective or harmful products are not covered.

Pollution-Related Incidents: Claims arising from pollution events, including contamination or environmental damage, are excluded.

Employee Injuries: Injuries sustained by employees during employment are not covered under CGL; these are typically addressed by workers' compensation insurance.

Contractual Liabilities: Liabilities assumed under a contract or agreement are excluded unless the liability would exist without the contract.

War and Terrorism: Claims resulting from acts of war or terrorism are not covered.

Criminal Acts: Liabilities arising from criminal activities committed by the insured are excluded.

Automobile-Related Incidents: Claims related to the ownership, use, or operation of vehicles are typically excluded and covered under separate auto liability policies.

Damage to Insured's Property: Property damage to premises owned or occupied by the insured is not covered under CGL policies.

Note: This list is non-exhaustive. For a comprehensive understanding of all exclusions, please refer to the official policy wording.

FAQs

Q1. What does Digit Commercial General Liability Insurance cover?

Ans: It covers third-party claims for bodily injury, property damage, personal injury (such as libel or slander), and legal expenses related to business operations.
Q2. Does it cover product-related issues?

Ans: No, this policy does not cover product-related issues. For claims arising from product defects or harm caused by your products, a separate Product Liability Insurance policy is required.
Q3. Are legal expenses and settlements covered?

Ans: Yes, Digit’s CGL policy covers legal fees, settlements, and court-ordered judgments related to covered claims.
Q4. Does it cover advertising-related issues?

Ans: Yes, it protects against claims for libel, slander, copyright violations, and misleading advertising.
Q5. What is excluded from CGL insurance?

Ans: It does not cover employee injuries (covered under workers’ compensation), intentional harm, or unintentional professional errors (covered under professional indemnity insurance).
Q6. How is the premium determined?

Ans: Premiums are based on factors like business size, industry type, risk exposure, and claims history.
Q7. Can the policy be customized?

Ans: Yes, Digit offers flexible coverage options tailored to your business size and specific risks.
Q8. How can I file a claim?

Ans: Claims can be filed through Digit’s online platform or customer support with the required documentation.
Q9. How long does it take to process a claim?

Ans: Digit strives to process claims efficiently to reduce business disruption.