Raheja QBE Commercial General Liability Insurance

Raheja QBE Commercial General Liability Insurance helps protect your business from legal liabilities if someone else (third-party) gets hurt or their property suffers damage because of your business activities. It also covers advertising-related claims. Overall, this policy offers financial support while mitigating unforeseen legal risks.

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

Safeguard your business against

claims of bodily injury

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Features of Raheja QBE Commercial General Liability Insurance

The key features of Raheja QBE’s Commercial General Liability Insurance include:

Combined Liability Coverage: The policy covers both public and product-related claims arising from bodily injury, property damage and advertising injury.

Comprehensive Coverage: It covers claims of personal injury, property damage, and advertising liability stemming from your business operations.

Legal Defense: It covers legal expenses even if allegations are false, unfounded, or fraudulent.

Worldwide Coverage: The policy offers worldwide coverage, unless the policy schedule says otherwise. It is subject to jurisdictional exclusions.

Customisable Coverage: It allows you to choose limits and deductibles to fit your specific business needs.

Raheja QBE Commercial General Liability Insurance Inclusions

Raheja QBE CGL Insurance offers a wide range of coverage tailored to meet the demands of diverse industries. Let’s find out the extent of coverage it offers:

Property Damage: The policy covers physical damage, loss, or destruction of tangible property, as well as loss of use (even if the property is not physically damaged) if the damage is caused by a covered incident.

Personal Injury: It covers bodily injury, mental anguish, defamation, wrongful detention, and similar occurrences.

Advertising Liability: It includes unintentional libel, defamation, invasion of privacy, and misappropriation of ideas in advertising.

Defence Costs: Raheja QBE Commercial General Liability Insurance pays for the costs of defending lawsuits, including court fees and settlement negotiations.

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

Raheja QBE Commercial General Liability Insurance Exclusions

Here is a list of exclusions under Raheja QBE Commercial General Liability Insurance:

Employment Liability: The policy does not cover claims filed by employees or those defined under Workers’ Compensation Insurance.

Product Recall & Defects: It does not pay for losses related to product recalls or known defects in your products.

Professional Services: The policy excludes liabilities arising from professional advice or services unless specifically covered.

Territorial Limitations: The policy does not cover claims filed under the jurisdiction of the United States, Canada, or related territories.

Asbestos and IT Hazards: Any liability from asbestos or digital data-related damages is 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.

Raheja QBE Commercial General Liability Insurance Claim Process

Immediate Notification: Inform Raheja QBE about the incident at the earliest.

Documentation: Submit all necessary details and documentation to support the claim.

Damage Control: Make sure to take reasonable measures to prevent further loss.

No Admission of Liability: Avoid negotiating, admitting fault, or making promises without Raheja QBE's consent.

Full Cooperation: Cooperate with Raheja QBE for investigation and recovery efforts, if applicable.

Note: Not following the above rules may affect the approval or payment of your claim.

Raheja QBE Commercial General Liability Insurance: FAQs

1. What types of businesses should opt for this policy?

Ans: Raheja QBE Commercial General Liability Insurance is designed for businesses of all sizes and across industries. So, if your business is exposed to third-party risks due to physical premises, products, or advertising, get this policy handy.
2. Does the policy cover international claims?

Ans: Yes, worldwide coverage is available. However, it is subject to exclusions related to U.S. and Canadian jurisdictions.
3. Are product recalls covered?

Ans: No, product recalls or withdrawals are typically excluded under this policy.
4. Is advertising liability covered?

Ans: Yes, the policy covers claims like unintentional libel, copyright breach in advertisements, and privacy invasion. However, intentional violations are excluded.
5. Are cyber liability claims covered under this policy?

Ans: No, cyber liability is generally excluded and requires a separate Cyber Insurance policy.