ICICI Lombard Comprehensive General Liability Insurance

ICICI Comprehensive General Liability Insurance Inclusions

The inclusions under the ICICI Comprehensive General Liability Insurance are as follows:

1. The policy safeguards the insured from legal liabilities arising from third-party claims, including bodily injury, personal damage, advertising injury, and damage to visitors' tangible property caused by business operations or finished products. This protection extends to incidents occurring on the business premises or any other location where business activities are conducted.

If your business faces a lawsuit for losses caused to a third party, the insurance company will cover expenses related to investigation and legal representation.

ICICI Comprehensive General Liability Insurance Exclusions

The exclusions under the ICICI CGL policy are as follows:

• Intentional Harm – Injuries or property damage that are intentional or expected by the policyholder are not covered, except when reasonable force is used to protect people or property.
• Employee Injuries – Injuries sustained by employees while performing work-related duties are not covered under this policy.
• Alcohol-Related Incidents – Claims arising from injuries or damages caused by intoxication or providing alcohol to minors or intoxicated individuals are excluded.
• Pollution-Related Claims – Injuries or damages resulting from the release or spread of pollutants at a location owned or occupied by the insured are not covered.

ICICI CGL Policy Claim Settlement Process

Here’s the step-by-step process that you can follow to file a claim for your ICICI Comprehensive General Liability Insurance policy:

1. Claim Notification – Notify ICICI about the claim via email.
2. Requirement List – The sales team will provide a list of necessary documents.
3. Report Submission – The insured must submit all internal reports.
4. Investigation Report – The final claim amount will be determined based on the investigation report.
5. Document Verification – The insured must sign the Document of Verification (DV).
6. Claim Payment – Once all requirements are met, ICICI will process and pay the claim amount.

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