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
    Fast-track your search with instant quotes from prominent insurers
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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
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    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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