Future Generali Commercial General Liability Insurance

Future Generali Commercial General Liability Insurance: Inclusions

The Future Generali Commercial General Liability insurance offers coverage against the following perils-

• Coverage for the legal expenses in defending allegations or suits against the insured party/entity/employees
• Coverage for all the legal costs for the damage or loss caused due to the activities of the specialist consultant, any sub-contractor, or any other entity acting on the behalf of the insured party
• Any financial reward granted to the claimants including expenses out of claim settlements.

Disclaimer-Kindly refer to the policy wordings provided by the insurer to understand the coverage provided under Future Generali Commercial General Liability Insurance Policy in detail.

Future Generali Commercial General Liability Insurance: Exclusions

Some common exclusions under Future Generali commercial general liability insurance are as follows-

• Any injury or damage caused to the insured outside India
• Any physical injury or damage happens due to the influence of alcohol, drug influence, etc.
• Any illness or injury caused due to war, civil war, invasion, or any other similar operations
• No coverage for hormone or sex-change-related treatment
• Any illness or injury caused to the insured due to the consumption of drugs & medicines.

Disclaimer-Kindly refer to the policy wordings provided by the insurer to understand the coverage provided under Future Generali Commercial General Liability Insurance Policy in detail.

Who is Insured Under Future Generali Commercial General Liability Insurance?

The following individuals/entities can be insured under this policy-

• The individual and their spouse can be covered under this policy but in respect of the conduct of the insured business where the policyholder is the sole owner.
• In case the business is a joint venture or in partnership with anyone, then the partners & their spouses can be covered.
• For the organization other than a partnership or joint venture, the executive officers and directors can be covered, but only in respect of their duties & responsibilities as the officers or directors.
• The stockholders of the organization can be insured but only in respect of their liabilities as stockholders.

Future Generali Commercial General Liability Insurance: Claim Process

To raise a claim under the Future Generali Commercial General Liability insurance policy, follow the below steps-

• Inform the insurer as early as the incident takes place
• Duly fill up the claim form, sign it, and submit it along with the required documents
• Connect with the insurer and explain the chronology of incidents causing loss/damage
• If the insured party has received the legal notice/formal letter, share it with the insurer
• Inform the insurer about the legal proceeding that has been initiated before the incident took place
• Inform the insurer about the estimated loss amount
• The insurer will initiate the claim settlement process once they are satisfied and check the coverage under the insurance plan.

Future Generali Commercial General Liability Insurance: Documents Required

The following mandatory documents are required to raise the claim under this policy-

• PAN Card
• Aadhar Card
• Electricity Bill
• Address proof of the insured location
• Other documents as per the insurer's requirement

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