COMMERCIAL

GENERAL
LIABILITY
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 Commercial General Liability
--Bodily injury
– Property damage
– Limited Contractual liability
– Products and completed operations
– Personal and Advertising injury liability
– Some supplementary covers in Std wording
– Named Insured
– Limits of Insurance
– Appropriate Definitions and Conditions

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 CGL
The world’s favorite Liability policy
 Broad based wording & Comprehensive protection
– Coverage A: Bodily Injury & Property Damage
– Coverage B: Personal & Advertising Injury
– Coverage C: Medical Payments

Two Versions –
Occurrence-Base
Claim-Made

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 Policy features
1. Premises and Operation Liability Risks
2. Products & completed operations
3. Personal & Advertising Injury Liability
4. Medical Payments
5. Supplementary Payments
6. “Occurrence” Or “Claim-made” Version
7. Comprehensive & world-wide Acceptance
CGL introduced in 1941 by the casualty insurers in USA

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 Sections
 Section I --Coverages
1. Coverage A- Bodily Injury & Property Damage Liability
2. Coverage B- Personal and Advertising Injury Liability
3. Coverage C- Medical payments
4. Supplementary Payments
 Section II –Named Insured
 Section III--Limits of Insurance
 Section IV--Conditions
 Section V—Extended Reporting Period
 Section VI--Definitions

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 Premises and Operations
Liability
 Insured must be legally liable to pay damages
 Damages must result from bodily injury/ property damage
 Bodily injury/damages must result from an accident
 The accident must occur during policy period and in
coverage territory
 Claim must be made against the insured during policy
period (Claim-made version).
 Damages must be with in the terms and conditions
 Liability as per limits of insurance

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 Premises and Operations
Liability – few cases
 Claim made by a customer for medical expenses
resulting from the injury in his ankle twisted while
he was in the premises.
 A passerby who was injured by a bulldozer
negligently operated by an employee of the name
insured suit the insured for medical expenses.
 Bodily injury or property damage arising out of
work being performed by independent contractors
on the name insured behalf.

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 Products – Completed Operation
– Includes ‘bodily injury’ and ‘property damage’
occurring away from premises owned/ rented and
arising out of ‘your product’ or ‘your work’

– Products and completed operations coverage pays

claims on behalf of the Insured for damage or injury
to third parties resulting from something the
Insured made, repaired, or installed

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Products &Completed Operations
1. Injury or damage from product
2. Injury/damage must occur away from premises
3. Product causing injury must not be in possession of the insured
premises.

Completed Operations

 Injury or damage from work

 Injury/damage must occur away from premises
 Work causing injury completed or abandoned

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 Personal and Advertising Injury
– False arrest, detention or imprisonment;
– Malicious prosecution;
– The wrongful eviction or wrongful entry
– Defamation libel or Slander/ Product Disparagement
– Oral/ written publication damaging person's privacy
– Use of another's advertising idea in advertisement
– Infringing on other's copyright, trade mark or slogan

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 Medical Expenses Cover
 Payments made regardless of fault.
 Payments within applicable limit of insurance.
 Reasonable expenses paid for ;
- First aid administered during accident.
- Necessary medical, surgical, x-ray, dental
services etc
- Necessary ambulance, hospital, nursing
professional and funeral services.

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 Fire Legal Liability Coverage

 Part of Premises and Operation Coverage

 Rented to or temporarily occupied by the
named insured with the owner’s permission
 Subject to Separate limit

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 CGL Exclusions
1. Expected or Intended Injury
2. Contractual Liability
3. Liquor Liability
4. Workmen Compensation and similar laws
5. Employers’ Liability
6. Pollution Liability
7. Aircraft, Auto or Watercraft
8. War Warlike action or Insurrection, Rebellion
9. Damage to owned/ rented/ occupied property
10. Electronic Data

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Product & Completed Operation Exclusion

 Damage to your product

 Damage to your work
 Damage to impaired property or property not
physically injured
 Recall of products, work, or impaired
property

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THANK YOU