Fortify
Your Business with General Liability Insurance
Comprehensive coverage for third-party bodily injury on premises, property damage and more with general liability insurance.
Our Trusted Partners
Why Commercial General Liability Policy Insurance is Vital for Business
Shield your assets and finances from potential lawsuits and claims. Get the financial protection your business needs with General Liability Insurance.
What Types Of Businesses Need General Liability Coverage?
Retail Shops
Retail businesses, from boutiques to supermarkets, require CGL to protect against customer injuries, property damage, and other third-party liability claims.
Construction Companies
Construction companies need CGL to protect themselves against liabilities that arise from damage to third parties. CGL provides complete financial protection against such claims.
Restaurants and Cafes
Insurance for shops protects against foodborne illnesses, slip-and-fall accidents, and property damage.
Manufacturing Businesses
Third party liability coverage protects against claims of product defects and related injuries.
Startups
Even the smallest companies need protection from liability risks. General liability insurance for startups is often a requirement for leases and contracts.
How will Commercial General Liability Insurance help the business?
In a bustling coffee shop, a customer accidentally slips and falls, fracturing their ankle joint. The customer sues the coffee shop because of negligence, and not putting up a wet floor sign.
Safeguard your Business with Commercial General Liability Insurance
Without commercial general liability insurance, they would have to pay for the customer's medical bills, potential legal fees, out of pocket. This could be financially devastating for a small business.
Inclusions
Property Damage
Covers damaged caused by your business to third party property.
Medical Expenses for Injury
Pays for medical bills if someone gets hurt because of your business, even if you're not legally liable.
Advertising Infringement
Protects you from claims of copyright or trademark infringement in your advertising.
Product Quality Issues
Covers claims if your product causes harm or doesn't work as expected.
Completed Projects
Protects you from liability for work you've already finished, even if problems arise later.
Exclusions
Willful Misconduct
Losses caused by intentional or illegal actions are not covered.
Damage to Your Product
The policy won’t cover damage to your own products or work.
Product Recall
The costs of recalling your products are not covered.
Prior and Pending Claims
Issues that existed or started before the policy began are excluded.
War, Invasion, or Civil Unrest
Losses due to large-scale conflicts or unrest are not covered.
Expert Guidance
Instant Quotes & Coverage
Affordable Premiums
Dedicated Claims Support
Why Buy Commercial General Liability Insurance From Covrzy?
Covrzy isn't your average insurance provider. We're your business ally, dedicated to shield you from the unexpected twists and turns of the commercial world. With our commercial general liability (CGL) Insurance, you get more than just a policy, you get a safety net.
Expert Guidance
Instant Quotes & Coverage
Affordable Premiums
Dedicated Claims Support
Real Life Claim Story
In 2017, a fire broke out at the Hotel Arpit Palace in Karol Bagh, New Delhi, resulting in significant property damage and multiple casualties. The incident led to a tragic loss of 17 lives and injuries to several others, sparking a major investigation into the hotel's safety measures and compliance with fire safety regulations.
Third-Party Liability Coverage
CGL insurance would have covered the costs of defending against and settling third-party liability claims, including compensation for bodily injury and property damage.
Legal Support
The insurance could have provided access to legal experts to navigate the complex litigation process, ensuring that the hotel was adequately defended against the claims.
Frequently Asked Questions
What does 'third party' mean in insurance, specifically in the context of Commercial General Liability (CGL) insurance?
In insurance, a 'third party' refers to any person or entity other than the insured (the business owner) and the insurer (the insurance company).
In CGL insurance, third-party liability coverage protects the insured business from claims made by third parties for bodily injury, property damage, or personal and advertising injury caused by the business's operations.
Does Commercial General Liability (CGL) Insurance Cover Theft?
How much Commercial General Liability (CGL) insurance do I need?
Do you have more questions?
Contact us for any queries related to business insurance, coverages, plans and policies. Our insurance experts will assist you.
Secure Your Protection Against Legal Claims With CGL Insurance
Don't Wait for Disaster to Strike. Get CGL Coverage & Rest Easy.
