Policy snapshot
A comprehensive liability policy that protects businesses from third-party claims of bodily injury, property damage, and personal injury arising out of business operations.
What is Commercial General Liability (CGL)?
CGL provides broad protection against third-party liabilities arising from business premises, operations, or products. It's essential for all customer-facing businesses.
What can it cover?
- The policy covers legal liabilities arising from bodily injury or property damage to third parties due to accidents occurring in the course of business. It also includes legal defence costs and settlements. Optional add-ons include advertising injury, tenant’s liability, and product-completed operations coverage.
Who should consider it?
- Manufacturers, retailers, hotels, educational institutions, Any business with public-facing operations or physical premises
Key features to understand
- {"heading": "Key Features", "bullets": ["Covers premises liability, operations liability, and product-completed operations", "Includes legal defence costs", "Optional extensions for vendor liability, tenant’s liability, advertising injury", "Occurrence-based or claims-made basis"]}
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.