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Increasing customer expectations, constant changes in technology, a growing awareness of the rights of consumers…more than ever before, the business community is being challenged to ensure exacting standards of quality in its products and deliverables. With its wide coverage and extensive range of add-on options, HDFC ERGO General Insurance’s Commercial General Liability Insurance is the ideal answer, providing the all-encompassing protection that any forward-thinking company requires.
Why Commercial General Liability Insurance?
In today’s uncertain world, technology and case law are constantly changing the liability landscape. HDFC ERGO General Insurance’s Commercial General Liability (CGL) protection responds to exposures, some of which didn’t exist 10 years ago.
For example, the rapid rise of the Internet has dramatically increased the potential for libel, intellectual property and invasion of the right of privacy suits. Typical standard policies do not adequately respond to these contingencies.
When does a company need HDFC ERGO General Insurance’s CGL protection?
Consider these scenarios:
A manufacturer of power meat slicers is sued by a third party alleging that the product malfunctioned, resulting in partial amputation of a right thumb and finger. The manufacturer is found liable. CGL would likely respond to the loss.
A tenant in a condominium complex falls down an improperly lit interior stairwell and suffers significant injuries. The property owner is sued for negligence& found liable. CGL would likely respond to the loss.
A retailer of nutritional products sells private health information about individuals obtained from its franchises. Those individuals bring a class action suit against the retailer seeking damages for their injuries resulting from the disclosure of this information. CGL would likely respond to indemnify the retailer for the damages and significant defence expenses.
Basic Coverages :
HDFC ERGO General Insurance’s Commercial General Liability Insurance cover offers the option of protection for bodily injury, property damage, advertising injury and personal injury to a third party for which a company is found to be legally liable. The policy can provide a separate advertising/personal injury aggregate limit that is not subject to a general aggregate limit. Commercial General Liability addresses a wide range of liability loss exposures, falling into two categories:
1.   Premises and Operations Liability - Liability for conditions or activities arising out of the premises or operations of a company. 2.   Products and Completed Operations Liability - Liability of a company to a user who is harmed by products manufactured, sold or distributed by the company.
Product Highlights:
	Definition of personal injury includes discrimination, harassment and segregation (other than employment – related).
	When our global liability extension is purchased, the insured is protected against lawsuits brought anywhere in the world.
	Under “Who is insured”, existing subsidiaries, including partnerships, joint ventures and limited liability companies, can be included as insureds to the end of the policy period.
	New subsidiaries or newly acquired organizations are afforded named insured statues based on control of voting rights, regardless of the type of entity, to the end of the policy period.
	Personal and advertising injury protection can be extended to include liability assumed in a written contract.
	Definition of bodily injury includes humiliation, mental anguish, mental injury and shock resulting from physical injury.
	Definition of advertising injury includes trademark infringement.
	Separate aggregate limit can be purchased for products-completed operations hazard that isn’t subject to the general aggregate limit.
Optional Policy Extensions, at additional charge:
	Products- completed operations hazard.
	Medical Expenses coverage.
	Damage to premises rented to you.
	Sudden and Accidental Pollution Liability
	Coverage for additional insureds when required by written contracts.
	Advertising Injury and Personal Injury Liability coverage.
	Vendors’ Endorsement.
	Oral and Written Contractual Liability: Bodily injury or property damage.
Scalable Options
Our CGL policy can be purchased either packaged with our ForeFront Portfolio, or monocline basic cover:
General Liabilty - With products- completed operations hazard.   Without products- completed operations hazard. Policy Form Claims made basis.   Occurrence basis. Defence Cost Defence within limits.   Defence outside limits Coverage Territory Worldwide.   Worldwide (excluding USA and Canada)   India only.
Service and Strength
We can insure domestic and foreign exposures under our policy, including protection against any differences in conditions and/or limits contained in policies issued in a foreign country.
At HDFC ERGO General Insurance Company ltd, we deliver more than just insurance products. We support our customers through our renowned services, extensive network of claims adjusters and financial strength. Our loss control professionals are experienced in making risk assessments and proposing practical remediation to help mitigate or prevent losses. Our claim service is legendary in the industry. Should a loss occur, our exceptional claim service is available anytime/anywhere through a toll-free number available 24/7 or via our website.
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