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1000+
Businesses Covered
200cr+
Claims Processed
95%
Claims Paid

What CGL Insurance Covers:

Safeguards businesses from financial exposure when third parties suffer bodily injury, property damage, or other covered losses arising from your business operations.

01

Third-Party Bodily Injury & Property Damage

Covers your legal liability and eligible compensation costs if your business operations cause bodily injury to a third party or damage their property.

02

Personal & Advertising Injury

Covers claims such as defamation, libel, slander, or certain advertising-related injuries arising from business activities.

03

Product Liability & Recall

Covers claims when products manufactured, sold, supplied or distributed by your business, cause third-party injury or property damage, and recall expenses, if relevant.

04

Rented Premises & Third-Party Property

Covers certain accidental damage to rented premises and property in your care, custody or control.

05

Contractors & Subcontractors

Covers liability arising from work outsourced to third-party agencies such as development teams, consultants, builders & constructors, etc.

06

Defence Costs & Medical Expenses

Covers legal defence costs and certain medical expenses arising from covered third-party claims.

What's Not Covered Under CGL Insurance?

Employee Injuries & Own Property

Injuries to employees or damage to your own premises, property, stock or equipment.

Pure Financial & Professional Losses

Losses without bodily injury or property damage, or those arising from professional errors, omissions or advice.

Deliberate or Criminal Acts

Intentional wrongdoings leading to third-party bodily injury or property damage.

Why Prioritise CGL Insurance?

Physical Premises Liability

Protects against third-party injury or property damage arising from incidents at your premises, including damage affecting neighbouring properties or workspaces.

Product & Contractor Liability

Helps protect against claims arising from products supplied by your business or work performed by contractors and subcontractors on your behalf.

Physical Premises Liability

Protects against third-party injury or property damage arising from incidents at your premises, including damage affecting neighbouring properties or workspaces.

Cover On-Site Operations

Protects your business when employees, contractors or subcontractors cause accidental bodily injury or property damage while working at customer locations.

Product & Contractor Liability

Helps protect against claims arising from products supplied by your business or work performed by contractors and subcontractors on your behalf.

Meet Contractual Requirements

CGL cover may be required by landlords, enterprise customers or other commercial partners as part of their contractual requirements.

On-Site Operations

Protects your business when employees, contractors or subcontractors cause accidental bodily injury or property damage while working at customer locations.

Meet Contractual Requirements

CGL cover may be required by landlords, enterprise customers or other commercial partners as part of their contractual requirements.

Frequently Asked Questions

What is the difference between CGL and Asset Insurance?
CGL Insurance protects your business against claims arising when its operations cause bodily injury or property damage to third parties. It may also cover certain personal and advertising injury claims, subject to policy terms.
Asset Insurance, on the other hand, protects your own buildings, machinery, stock and portable equipment against covered damage or loss.
We are a software company with no retail stores. Do we still need CGL?
Yes, depending on your operations and contractual requirements. CGL can be relevant even for software and technology businesses where employees visit customer sites, equipment is installed or supplied, or business activities could cause third-party injury or property damage. For example, a software company installing sensors at a manufacturing plant could face liability if its employees damage machinery or cause an injury during the installation.
Why do global enterprises require vendors to maintain CGL Insurance?
Global enterprises often require vendors to maintain CGL Insurance as part of their governance, compliance and vendor-risk protocols. It provides a defined financial and legal response if the vendor’s operations cause third-party bodily injury, property damage or other covered liability.
Does CGL cover injuries to my own employees?
No. CGL Insurance is designed primarily to cover third-party bodily injury and property damage and generally does not cover injuries suffered by your own employees while performing their work. Businesses should consider Group Health Insurance, Group Personal Accident Insurance and Workmen’s Compensation / Employees’ Compensation Insurance for their workforce.