ICICI Lombard Comprehensive General Liability Insurance

ICICI CGL Policy protects your business from legal expenses and compensation costs arising from third-party bodily injury, property damage, or personal and advertising injury caused by your business operations. It helps manage unexpected liabilities, ensuring financial protection and business continuity.

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Get ₹5 Crore insurance cover starting at ₹25,000/year⁺

Liability from Product or Service

Property damage or Bodily Injury

Medical & Legal Costs Covered

Get ₹5 crores insurance cover starting at ₹25,000⁺

Liability from Product or Service

Property damage or Bodily Injury

Medical & Legal Costs Covered

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ICICI Comprehensive General Liability Insurance Inclusions

The policy safeguards the insured from legal liabilities arising from third-party claims, including bodily injury, personal damage, advertising injury, and damage to visitors' tangible property caused by business operations or finished products. This protection extends to incidents occurring on the business premises or any other location where business activities are conducted.

If your business faces a lawsuit for losses caused to a third party, the insurance company will cover expenses related to investigation and legal representation.

ICICI Comprehensive General Liability Insurance Exclusions

The exclusions under the ICICI CGL policy are as follows:

Intentional Harm – Injuries or property damage that are intentional or expected by the policyholder are not covered, except when reasonable force is used to protect people or property.

Employee Injuries – Injuries sustained by employees while performing work-related duties are not covered under this policy.

Alcohol-Related Incidents – Claims arising from injuries or damages caused by intoxication or providing alcohol to minors or intoxicated individuals are excluded.

Pollution-Related Claims – Injuries or damages resulting from the release or spread of pollutants at a location owned or occupied by the insured are not covered.

ICICI CGL Policy Claim Settlement Process

Here’s the step-by-step process that you can follow to file a claim for your ICICI Comprehensive General Liability Insurance policy:

Claim Notification – Notify ICICI about the claim via email.

Requirement List – The sales team will provide a list of necessary documents.

Report Submission – The insured must submit all internal reports.

Investigation Report – The final claim amount will be determined based on the investigation report.

Document Verification – The insured must sign the Document of Verification (DV).

Claim Payment – Once all requirements are met, ICICI will process and pay the claim amount.

FAQs

Q1. What does ICICI CGL Insurance cover?

Ans: ICICI Commercial General Liability Insurance provides protection against third-party claims for bodily injury, property damage, and personal or advertising injury caused by business operations.
Q2. Who should consider buying ICICI Commercial General Liability Insurance?

Ans: Businesses that engage with customers, vendors, or clients should consider this coverage to protect against potential legal claims.
Q3. Does it cover product-related issues?

Ans: No, this policy does not cover claims arising from product defects or harm caused by your products. A dedicated policy, known as Product Liability Insurance, is required for such coverage.
Q4. Are legal expenses included in the coverage?

Ans: Yes, the policy covers defense costs, settlements, and any judgments for covered claims.
Q5. Does the policy cover employee injuries?

Ans: No, employee injuries are not included under CGL insurance and are typically handled through workers’ compensation insurance.
Q6. What are the main exclusions under this policy?

Ans: The main exclusions include intentional harm, employee injuries, pollution-related incidents, and alcohol-related liabilities.
Q7. How is the premium determined?

Ans: Premiums depend on factors like business size, industry type, risk exposure, and previous claims history.
Q8. How can a claim be filed?

Ans: Claims can be reported via email, and the sales team will provide guidance on the necessary documentation.
Q9. How long does it take to settle a claim?

Ans: After submitting the required documents and completing the investigation, ICICI aims to process claims swiftly.