The Commercial General Liability policy is the ideal policy for organizations who are proactive in their approach towards Liability issues arising on them. It is accepted world over as the complete policy to provide seamless protection to the Insured, and covers Third party Liabilities arising from various business exposures such as those arising from Premises, Products and Completed operations and Advertising and Personal injury , thus ensuring complete protection to the insured against Liability issues.

COVERAGES:

The Company will indemnify the Insured in excess of the Insured’s Deductible and subject to the Limit of Indemnity, against its legal liability (including Defense Costs) to pay Damages for third party Claims arising out of Bodily Injury or Property Damage caused by an Accident in the Premises in the course of business or due to the use of products manufactured by the insured during the Period of Insurance if notified during the Policy Period by the Insured in accordance with the terms of this Policy.

EXTENSIONS:

 Food and Beverages Liability Extension

 72 Hrs. Sudden and Accidental Pollution Liability Extension

 Terrorism

 Batch Clause

 Vendor’s liability extension clause (Unnamed basis).

 Technical Collaborators Extension

 Product Recall

 Care, Custody and Control

UNDERWRITING INFORMAION REQUIRED:

 Business Activity

 Estimated Turnover with Geographical Split

 Number of locations to be covered.

 Occupancy of the proposed premises.

 Nature and usage of proposed products

 Past 3 years Claims History.

ENDORSEMENTS:

 Designated Premises clause

 Designated Products Clause

TERRITORY AND JURISDICTION:

 India/ Worldwide excluding USA & Canada / Worldwide including USA/Canada

EXCLUSIONS:

Company is not liable for and no indemnity is available under this Policy for:

 Deliberate or willful Act

 Consequential Loss

 Infringement of plans, copyrights, patents, trade names and trademarks

 Libel, Slander and Defamation

 Absolute Asbestos exclusion etc.

PREMIUM RATING:

Estimate of the premium payable for Bajaj Allianz Public Liability Insurance cover will be arrived as per the details furnished in the CGL Proposal Form and would depend on the parameters like:

 Limit of Indemnity

 Estimated Turnover

 No. of Premises

 Occupancy details

 Product Details

 Extensions required

 Past claims details