National Commercial General Liability Insurance

National Insurance Commercial General Liability Insurance protects your business from unexpected liabilities arising from third-party claims, including bodily injury, property damage and personal injury. National Insurance CGL coverage is essential to protect your business operations, assets, and reputation from legal and financial risks.

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Features of National Commercial General Liability Insurance

The following are the main features of National Insurance Commercial General Liability Insurance:

Combined Public and Product Coverage: The policy is a combination of Public and Product liability coverage. Plus, it offers various additional covers.

Personal and Advertising Injury: It pays for claims related to defamation, slander, or false advertising.

Legal Expense Coverage: It reimburses for legal fees and associated costs in the event of a lawsuit.

Coverage Territory: This insurance only covers injuries or damages that occur within India.

Seamless Claim Process: National Insurance offers streamlined claim processing for quick and hassle-free settlement.

National General Liability Insurance Inclusions

Here is a list of inclusions under National Commercial General Liability Insurance:

Premises and Operations Liability: The policy covers incidents that occur on your business premises or during business operations, resulting in third-party injuries or property damage.

Products and Completed Operations: It includes claims arising from products sold or services provided, causing harm or damage after completion.

Personal Injury: The policy covers claims arising from offences, such as false arrest, detention, or malicious prosecution.

Advertising Injury: It includes claims alleging misleading statements causing harm to the reputation of your products or services.

Disclaimer: This is not a complete list. Please read your official policy documents carefully for full details on all inclusions.

National Commercial General Liability Insurance Exclusions

Let's take a quick look at the exclusions under National Insurance Commercial General Liability Insurance:

Employee Injuries: The policy does not cover injuries to employees. For such claims, you can get a dedicated Workers Compensation Insurance plan.

Professional Services: It does not compensate for claims arising from professional advice or service.

Pollution: It excludes liabilities related to pollution or contamination.

Contractual Liabilities: Claims assumed under contracts, except for those specified in the policy, are not included under National Insurance Commercial General Liability Insurance.

Product Recall: The costs associated with recalling products are not covered under the plan.

Disclaimer: This is not a complete list. For full details on all exclusions, please refer to your official policy documents.

National Commercial General Liability Insurance Claim Process

Here is how the claim process at National Insurance works:

Notification: Inform National Insurance as soon as the mishap happens.

Documentation: Provide all necessary documents, including incident reports, witness statements, and any relevant correspondence.

Claim Form Submission: Complete and submit the claim form provided by the company. Make sure all the details are accurate and comprehensive.

Investigation: Then, National Insurance will assess the claim. It is likely to involve interviews, site inspections, and a review of evidence.

Resolution: Upon determination, the company will inform you about the outcome. If approved, National Insurance will arrange for compensation or settlement.

FAQs

Q1: I run a mid-size business. Is National Commercial General Liability Insurance worth buying?

Ans: The policy benefits businesses across industries, regardless of their size. Most importantly, if third parties are involved, the policy can be a saviour against third-party claims.
Q2: Does the policy cover claims related to cybercrime?

Ans: No, cyber liabilities are typically not covered under a standard CGL policy by National Insurance. You may consider buying a separate Cyber Insurance plan for such risks.
Q3: Can I customise the policy?

Ans: Yes, National Insurance offers customisation options to help you design the policy according to the unique requirements of your business.
Q4: Is there a deductible associated with the plan?

Ans: Deductibles may apply. However, it is likely to depend on the specific terms and conditions of the policy.
Q5: How can I get a quote?

Ans: You can visit the official online portal of an authorised agent or the official National Insurance Company Limited website to get a quote. Alternatively, you can talk to our experts at Policybazaar for Business. They can help you with a customised quote tailored to your specific needs, assist you in understanding the coverage options and guide you through the process of securing the most suitable deal for your insurance requirements.