Commercial General
Liability Insurance

Get ₹1 crore insurance cover starting
at just ₹15,000 per year* for your business

*T&Cs apply

Every Small Business is Susceptible to Liability Risks

commercial general liability insurance for business
A single liability claim can put you out of business. Lawsuits can be expensive, hence you should consider getting Commercial General Liability insurance. Commercial General Liability insurance, or CGL, serves as a safety net, protecting your business from potential financial pitfalls associated with liability claims. The claims could be unwarranted, but if you are at the receiving end of such litigation you will have to defend the case. Getting a CGL policy is a must for businesses to protect themselves from risks of lawsuits.
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    What does a CGL insurance policy offer?

    Running a business can involve various risks, including accidents, injuries, and losses. A Commercial General Liability (CGL) insurance policy offers protection against these risks associated with business operations. It serves to cover expenses related to medical treatment and legal proceedings resulting from accidents, injuries, or damage to third parties and their properties, for which the company may bear legal responsibility.

    commercial general liability insurance policy

    The policy also offers protection against reputational harm, covering the costs of defending your business in defamation cases and coverage for advertising injuries, including the costs of defending your business in cases involving copyright or trademark issues.

    cgl insurance policy

    Get a CGL insurance policy if

    • Your place of business frequently receives visitors, be it an office, retail store, or factory.
    • Your employees work off-site, such as at construction sites, remote, or from your client’s premises.
    • You engage in business advertising or promotion through offline or online media.
    • You are involved in the manufacturing, selling, or distribution of products.

    Get a CGL insurance policy if

    We’ve forged partnerships with India’s foremost insurers and their world’s largest AA-rated reinsurers to bring this important product to companies like yours.

    We’ve forged partnerships with India’s foremost insurers and their world’s largest AA-rated reinsurers to bring this important product to companies like yours.

    Why invest in a CGL insurance policy?

    Here’s why your company requires a CGL insurance policy:

    The power of CGL insurance policy

    Slip and Trip Incident: In a challenging incident, a 24-year-old model tragically lost her life, and another person suffered injuries when an iron truss supporting lighting equipment collapsed during a fashion show.
    The event organisers, who had a CGL policy, were able to navigate the legal aspects of the incident with the support of their insurer. This policy not only covered their legal expenses but also provided financial assistance for the injured person’s medical bills. Additionally, it offered compensation to the family of the deceased, providing the necessary relief during this difficult time.

    Smash and Trash incident: At an upscale five-star hotel, a valet encountered an unexpected challenge when parking a Lamborghini at the entrance, leading to a collision with a stationary car.
    Fortunately, both the hotel and the valet had the foresight to possess a CGL insurance policy. This strategic choice provided a safety net by covering compensation for the Lamborghini owner and the owner of the other car. This not only eased the financial burden of the incident but also ensured a smoother resolution of the situation.

    Commercial General
    Liability Insurance

    What’s covered?

    • Medical expenses of the third party
    • Legal expenses and defense costs
    • Damages awarded in the court of law
    • Out of court settlement cost 
    • Repair costs for damaged property of the third party
    • Replacement cost for lost or destroyed property of the third party

    What’s not covered?

    • Work-related injuries sustained by your employees
    • Personal injury claims made by your employees
    • Costs related to product guarantee/warranty or product recall
    • Faulty workmanship
    • Pure contractual liability
    • Medical expenses of the third party
    • Legal expenses and defense costs
    • Damages awarded in the court of law
    • Out of court settlement cost 
    • Repair costs for damaged property of the third party
    • Replacement cost for lost or destroyed property of the third party
    • Work-related injuries sustained by your employees
    • Personal injury claims made by your employees
    • Costs related to product guarantee/warranty or product recall
    • Faulty workmanship
    • Pure contractual liability

    Claims Roadmap

    Notify The Insurer

    1. Notify the Insurer

    If your company gets involved in a lawsuit, it’s important to quickly let your insurance company know. The insurance company will then thoroughly investigate the situation, making a detailed timeline of what happened and examining any relevant documents or messages received.
    Thorough Review

    2. Expert Review

    An investigator or evaluator is assigned to confirm the eligibility of the requested claims. Once the investigation is finished, the evaluation report is submitted.
    Legal Counsel Engagement

    3. Legal Counsel Engagement

    Your company can choose to hire a legal representative for defence, with mutual consent of the insurer. The insurer will cover legal costs for defending the case. Furthermore, if your company incurs medical expenses related to third parties due to injuries or accidents, the insurer will also reimburse those bills.

    Why Onsurity

    Custom Solutions

    Custom Solutions

    We create plans that fit your needs.

    Personal Touch

    Personal Touch

    We combine digital ease with personalised service.

    Great Risk Management

    Great Risk Management

    We’re backed by experts who understand liability risks.