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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ICICI Comprehensive General Liability Insurance Inclusions

The inclusions under the ICICI Comprehensive General Liability Insurance are as follows:

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.

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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.

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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.

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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

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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.

ICICI Lombard Comprehensive General Liability Insurance

ICICI Comprehensive General Liability Insurance Inclusions

ICICI Comprehensive General Liability Insurance Exclusions

ICICI CGL Policy Claim Settlement Process

FAQs

Q1. What does ICICI CGL Insurance cover?

Q2. Who should consider buying ICICI Commercial General Liability Insurance?

Q3. Does it cover product-related issues?

Q4. Are legal expenses included in the coverage?

Q5. Does the policy cover employee injuries?

Q6. What are the main exclusions under this policy?

Q7. How is the premium determined?

Q8. How can a claim be filed?

Q9. How long does it take to settle a claim?

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