Digit Comprehensive General Liability Insurance

Digit's Commercial General Liability Insurance Inclusions

Digit's Commercial General Liability (CGL) Policy offers comprehensive coverage for various third-party liabilities that businesses may encounter, including: 

1. Bodily Injury Protects your business in the event a third party sustains injuries or, in severe cases, death due to incidents like slips or falls on your premises.
2. Property Damage Covers expenses related to the repair, replacement, or renovation of third-party property that your business may inadvertently damage.
3. Injury Provides coverage against claims arising from non-physical injuries to third parties, such as defamation or unauthorized entry.
4. Advertising Injury Safeguards your business from potential losses resulting from advertising-related issues, including copyright infringement or unintentional libel and slander.
5. Medical Payments Ensures that medical expenses are covered if someone is physically injured due to your business operations, regardless of fault.

Digit's Commercial General Liability Policy Exclusions

Digit's Commercial General Liability (CGL) Policy includes several key exclusions where coverage does not apply. Some of them are as follows:

1. Intentional Acts: Claims arising from deliberate actions causing injury or damage are not covered.
2. Professional Services: Liabilities resulting from the rendering or failure to render professional advice or services are excluded.
3. Product Recall: Expenses related to recalling defective or harmful products are not covered.
4. Pollution-Related Incidents: Claims arising from pollution events, including contamination or environmental damage, are excluded.
5. Employee Injuries: Injuries sustained by employees during employment are not covered under CGL; these are typically addressed by workers' compensation insurance.
6. Contractual Liabilities: Liabilities assumed under a contract or agreement are excluded unless the liability would exist without the contract.
7. War and Terrorism: Claims resulting from acts of war or terrorism are not covered.
8. Criminal Acts: Liabilities arising from criminal activities committed by the insured are excluded.
9. Automobile-Related Incidents: Claims related to the ownership, use, or operation of vehicles are typically excluded and covered under separate auto liability policies.
10. Damage to Insured's Property: Property damage to premises owned or occupied by the insured is not covered under CGL policies.

Note: This list is non-exhaustive. For a comprehensive understanding of all exclusions, please refer to the official policy wording.

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