HDFC ERGO Comprehensive General Liability Insurance

HDFC ERGO Commercial General Liability Insurance offers businesses comprehensive protection against claims of bodily injury, property damage, advertising injury, and personal injury. Recognizing the evolving risk landscape, this policy addresses modern exposures, including those arising from internet-related activities such as libel, intellectual property infringements, and invasion of privacy suits areas where traditional policies may fall short.

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Commercial General Liability Insurance

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Get ₹5 Crore insurance cover starting at ₹25,000/year+

Liability from Product or Service
Property damage or Bodily Injury
Medical & Legal Costs Covered

Get ₹5 crores insurance cover starting at ₹25,000+

Liability from Product or Service
Property damage or Bodily Injury
Medical & Legal Costs Covered
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Get ₹5 Crore insurance cover starting at ₹25,000/year+

Get ₹5 crores insurance cover starting at ₹25,000+

Liability from Product or Service
Property damage or Bodily Injury
Medical & Legal Costs Covered
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HDFC ERGO Commercial General Liability Insurance Inclusions

The inclusions under the HDFC ERGO CGL policy are:

  • The policy provides coverage for bodily injury, property damage, advertising injury, and personal injury to a third party if the company is held legally responsible.
  • It can also offer a separate aggregate limit for advertising and personal injury, independent of the general aggregate limit.

HDFC ERGO Commercial General Liability Insurance Add-ons

The HDFC ERGO CGL policy includes the following extensions:

  • Coverage for product-related risks after completion of operations
  • Medical expenses coverage
  • Protection for damage to rented premises
  • Liability for sudden and accidental pollution (excluding USA & Canada)
  • Coverage for additional insured parties as per written contracts
  • Liability protection for personal and advertising-related claims
  • Vendors endorsement for specified risks
  • Bodily injury and property damage liability arising from oral or written contracts

HDFC ERGO Comprehensive General Liability Insurance Exclusions

The HDFC ERGO CGL policy does not cover the following:

  • Expected or Intended Injury: The policy does not cover harm or damage that the insured deliberately causes or expects to result from their actions, except in cases of self-defense.
  • Contractual Liability: The policy does not cover obligations taken on through contracts unless the liability exists even without the agreement.
  • Worker’s Compensation and Similar Laws: Employee injuries or illnesses that fall under workers compensation insurance, disability benefits, or related laws are not covered.
  • Pollution: Any claims arising from pollution, environmental contamination, or hazardous waste are excluded.
  • Damage to Your Property: Loss or damage to the insured's own property is not covered; the policy only applies to third-party claims.
  • Damage to Your Product: Defects, failures, or damages to the insured’s own product are not included, as separate product liability insurance is needed.
  • Damage to Your Work: The policy does not cover losses resulting from flaws, defects, or errors in the insured’s own work.
  • Aircraft, Auto, or Watercraft: Any claims related to the use, ownership, or operation of aircraft, vehicles, or watercraft are excluded, as these require separate insurance policies.
  • Professional Liability: The policy does not extend to mistakes, negligence, or errors in professional services; professional indemnity insurance is required for such coverage.
  • Personal and Advertising Injury :The policy excludes certain claims related to misleading advertising, trademark issues, etc.
  • Electronic Data Losses : linked to cyberattacks, data breaches, or damage to electronic records are not covered

HDFC ERGO Comprehensive General Liability Insurance: FAQs

  • 1. What is HDFC ERGO Comprehensive General Liability Insurance?

    Ans: HDFC ERGO CGL Insurance protects businesses against third-party claims for bodily injury, property damage, and personal or advertising injury arising from business operations.
  • 2. Who should consider purchasing this insurance?

    Ans: Businesses across industries, including manufacturing, retail, healthcare, hospitality, IT, etc, should opt for this policy to safeguard against potential legal and financial liabilities.
  • 3. What does the HDFC ERGO CGL policy cover?

    Ans: The policy provides coverage for:
    • Third-party bodily injury and medical expenses
    • Personal and advertising injury claims (e.g., defamation, copyright infringement in advertising)
    • Legal expenses related to covered claims
  • 4. Does this policy cover product-related liabilities?

    Ans: No, product-related claims are not covered under this policy. Businesses requiring protection against claims arising from defective products should opt for Product Liability Insurance separately.
  • 5. What are the key benefits of this insurance?

    Ans: The key benefits of HDFC ERGO CGL policy are:
    • Protection against financial losses due to third-party claims
    • Coverage for legal defense costs
    • Customizable coverage options based on business needs
    • Compliance with contractual or regulatory insurance requirements
  • 6. Are legal expenses covered under this policy?

    Ans: Yes, the policy covers legal defense costs related to claims covered under the insurance.
  • 7. How can a business file a claim?

    Ans: To file a claim, the policyholder must notify HDFC ERGO immediately, provide a completed claim form along with relevant documents, and cooperate with the assessment process.
  • 8. Can this policy be customised?

    Ans: Yes, businesses can tailor the coverage by selecting additional protection based on their specific industry risks.
  • 9. Does this policy cover employee-related claims?

    Ans:  No, claims related to employee injuries or workplace disputes are not covered under this policy. Businesses should consider Group Health Insurance for employee-related liabilities.
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Policybazaar for Business - Comprehensive Liability Insurance - Customer Reviews
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4/5
Based on 27 reviews
4
out of 5
Based on 27 reviews
1 users
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11 users
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4.3 April 09, 2023
Shubh
Competitive Premiums
The premiums offered by PolicyBazaar for the Comprehensive General Liability Insurance are competitive, considering the extensive coverage and top-notch customer service they provide.Truly recomend it.
Ludhiana
4.3 March 28, 2023
Prakhar
Worth Buying
PolicyBazaar worked closely with me to tailor the coverage to meet the specific needs of my business.Worth buying.
Dehradun
3.8 March 16, 2023
Veer
Wide Coverage
One of the most significant aspects of this insurance is its coverage. It provides extensive protection against a wide range of liabilities, including bodily injury, property damage, etc. Thanks for the policy PB
Lucknow
3.8 March 04, 2023
Akash
Peace Of Mind
I have been a satisfied customer of PolicyBazaar for several years now. It offers a comprehensive and reliable safety that has given me peace of mind and allowed me to focus on growing my business without constant worry about unforeseen events.Thankyou PB.
Bareilly
3.8 February 20, 2023
Ram
Claim Process Is Hassle Free
PolicyBazaar's claims process is efficient and hassle-free. In the unfortunate event of a claim, they handled everything swiftly and professionally, ensuring a smooth resolution without unnecessary delays. This reliability and promptness have further strengthened my trust in their services.Thankyou.
Delhi
4 February 20, 2023
Rohan
Great Customer Support
PolicyBazaar can help you get your Insurance as I am in the construction Industry and needed some guidance on risk concerns. I contacted PolicyBazaar Team, whO explaned to me the process to get the Insurance. Thank you PolicyBazaar.
Jamshedpur
3.8 February 16, 2023
Aditi
Damages Covered
I recently purchased CGL insurnace from PolicyBazaar. They helped me to cover my damages. Thankyou.
Jamshedpur
4 February 12, 2023
Neha
Helpful Team
We were looking to buy Comprehensive General Liability Insurance Plan that protects Third party property from any accidental damage at my workplace. So we landed on the PolicyBazaar website. It was well managed and described all the benfits in detaill... We contacted their Customer support and dcided to buy from them. Thanks, PolicyBazaar Team
Coimbatore
3.8 February 08, 2023
Veer
All In One Platform
It is an All in one platform which provided me unique perks, Low premium prices and a fast claim settlement process. Thankyou PB. Excellent platform.
Vadodara
4.3 February 04, 2023
Amar
Good Package
Got a really good coverage. Thanks, PolicyBazaar
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