Commercial General Liability Insurance

Protect Your Business from Everyday Risks

Protect Your Business from Everyday Risks

Protect Your Business from Everyday Risks

Get comprehensive coverage in minutes to safeguard your business against liability claims for bodily injury, property damage, and more.

Get comprehensive coverage in minutes to safeguard your business against liability claims for bodily injury, property damage, and more.

Get comprehensive coverage in minutes to safeguard your business against liability claims for bodily injury, property damage, and more.

Trusted by over 500 top clients, from startups to industry leaders
Trusted by over 500 top clients, from startups to industry leaders
Get CGL insurance fast
Get CGL insurance fast
Get CGL insurance fast

What is CGL Insurance?

What is CGL Insurance?

What is CGL Insurance?

Commercial General Liability (CGL) Insurance provides broad protection for businesses against claims of bodily injury, property damage, personal injury, and advertising injury. This insurance covers legal fees, medical expenses, and settlements or judgments, protecting your business from the financial impact of everyday operational risks.

Commercial General Liability (CGL) Insurance provides broad protection for businesses against claims of bodily injury, property damage, personal injury, and advertising injury. This insurance covers legal fees, medical expenses, and settlements or judgments, protecting your business from the financial impact of everyday operational risks.

Why take CGL Insurance?

Why take CGL Insurance?

Why take CGL Insurance?

Comprehensive Protection Against Common Risks
Comprehensive Protection Against Common Risks

CGL insurance safeguards your business from a wide range of liability claims, including those arising from accidents, injuries, and property damage that occur during your business operations.

Client and Partner Requirements
Client and Partner Requirements

Many clients, especially in industries like construction, retail, and manufacturing, require proof of CGL insurance before signing contracts. This coverage ensures you meet these contractual obligations and protects your business relationships.

Mitigate Financial Risks
Mitigate Financial Risks

Without CGL insurance, your business could face substantial financial losses from legal claims. CGL insurance provides the necessary coverage to defend your business and pay for damages, allowing you to operate with confidence.

Comprehensive Protection Against Common Risks

CGL insurance safeguards your business from a wide range of liability claims, including those arising from accidents, injuries, and property damage that occur during your business operations.

Client and Partner Requirements

Many clients, especially in industries like construction, retail, and manufacturing, require proof of CGL insurance before signing contracts. This coverage ensures you meet these contractual obligations and protects your business relationships.

Mitigate Financial Risks

Without CGL insurance, your business could face substantial financial losses from legal claims. CGL insurance provides the necessary coverage to defend your business and pay for damages, allowing you to operate with confidence.

What is the process to take CGL Insurance

What is the process to take CGL Insurance

1
1
Consultation
Consultation

Reco’s experts will help you identify the right D&O policy that suits your needs.

Reco’s experts will help you identify the right D&O policy that suits your needs.

Reco’s experts will help you identify the right D&O policy that suits your needs.

2
2
Quotation
Quotation

Obtain and compare quotes from multiple insurers to find the best coverage at the most competitive price.

Obtain and compare quotes from multiple insurers to find the best coverage at the most competitive price.

Obtain and compare quotes from multiple insurers to find the best coverage at the most competitive price.

3
3
Policy Issuance
Policy Issuance

Once underwritten, the insurer will issue the policy, and coverage begins upon payment of the premium.

Once underwritten, the insurer will issue the policy, and coverage begins upon payment of the premium.

Once underwritten, the insurer will issue the policy, and coverage begins upon payment of the premium.

How much coverage should I take for CGL Insurance?

How much coverage should I take for CGL Insurance?

Small Businesses

Coverage: ₹1 crore to ₹10 crore

Small businesses can start with coverage between ₹1 crore and ₹10 crore, providing a solid foundation against common liability risks without overextending the budget.

Mid-Sized Companies

Coverage: ₹10 crore to ₹50 crore

As your business grows, so do your risks. Coverage between ₹10 crore and ₹50 crore ensures you are well-protected against larger claims that could arise from expanded operations.

Large Enterprises

Coverage: ₹50 crore to ₹100 crore+

For large enterprises with complex operations, substantial coverage of ₹50 crore to ₹100 crore or more is essential to handle high-value claims that could significantly impact your business.

What is not covered under CGL Insurance?

Intentional acts or fraudulent activities

Professional errors (covered under Errors & Omissions insurance)

Employee injuries (covered under Workers' Compensation insurance)

Cyber incidents (covered under Cyber Liability insurance)

Damage to your own business property (covered under Property insurance)

Product recalls (covered under Product Liability insurance)

What is not covered under CGL Insurance?

Intentional acts or fraudulent activities

Professional errors (covered under Errors & Omissions insurance)

Employee injuries (covered under Workers' Compensation insurance)

Cyber incidents (covered under Cyber Liability insurance)

Damage to your own business property (covered under Property insurance)

Product recalls (covered under Product Liability insurance)

What is covered under CGL Insurance?

What is covered under CGL Insurance?

Bodily injury claims

Property damage claim

Medical expenses

Personal and advertising injury

Legal defense costs

Settlements and judgments

What is not covered under CGL Insurance?

Intentional acts or fraudulent activities

Professional errors (covered under Errors & Omissions insurance)

Employee injuries (covered under Workers' Compensation insurance)

Cyber incidents (covered under Cyber Liability insurance)

Damage to your own business property (covered under Property insurance)

Product recalls (covered under Product Liability insurance)

What is covered under CGL Insurance?

Bodily injury claims

Property damage claim

Medical expenses

Personal and advertising injury

Legal defense costs

Settlements and judgments

Who can sue your business?

Customers or Clients: For bodily injuries or property damage that occur on your premises.

Vendors or Contractors: For injuries or damage that occur during business operations.

Competitors: For advertising injuries, including defamation or copyright infringement.

Regulators: For non-compliance with safety regulations leading to public harm.

Who can sue your business?

Customers or Clients: For bodily injuries or property damage that occur on your premises.

Vendors or Contractors: For injuries or damage that occur during business operations.

Competitors: For advertising injuries, including defamation or copyright infringement.

Regulators: For non-compliance with safety regulations leading to public harm.

Who can sue your business?

Customers or Clients: For bodily injuries or property damage that occur on your premises.

Vendors or Contractors: For injuries or damage that occur during business operations.

Competitors: For advertising injuries, including defamation or copyright infringement.

Regulators: For non-compliance with safety regulations leading to public harm.

Director & Officer Liability claims examples

Director & Officer Liability claims examples

Director & Officer Liability claims examples

Slip and Fall Accident

What happened?

A customer slipped and fell in your retail store, resulting in a serious injury and a lawsuit.

How claim was paid?

The CGL insurance covered the medical expenses and the settlement to the injured customer.

Property Damage During Operations

What happened?

A contractor working on your premises accidentally damaged a neighboring property, leading to a claim for repairs.

How claim was paid?

The CGL insurance covered the cost of the property repairs and legal defense fees.

Advertising Copying Claim

What happened?

Your business was sued by a competitor for allegedly copying their advertising slogan, resulting in a legal dispute.

How claim was paid?

The CGL insurance covered the legal defense costs and the settlement to the competitor.

Advertising Copying Claim

What happened?

Your business was sued by a competitor for allegedly copying their advertising slogan, resulting in a legal dispute.

How claim was paid?

The CGL insurance covered the legal defense costs and the settlement to the competitor.

Why Take CGL insurance from Reco?

Why Take CGL insurance from Reco?

Why Take CGL insurance from Reco?

Comprehensive Coverage

Reco offers tailored policy terms and coverage designed specifically for your industry, ensuring you have the protection you need.

Lowest Rates

With experience serving over 500 large clients, Reco has secured pre-negotiated, competitive rates from top insurers, giving you the best value.

Fast Process

As a tech-enabled broker, Reco has streamlined the purchase process, minimizing the information required and delivering you quotes within a few hours.

Single Place for All Insurance

Reco helps you consolidate all your business insurance needs in one place, saving you time and leading to lower rates for you. As part of the Nova Benefits group, which specializes in employee benefits insurance, you’ll have the option to take employee benefits insurance (health, term, accident) through us, helping you manage high-volume claims where employee satisfaction is a top priority.

Single Place for All Insurance

Reco helps you consolidate all your business insurance needs in one place, saving you time and leading to lower rates for you. As part of the Nova Benefits group, which specializes in employee benefits insurance, you’ll have the option to take employee benefits insurance (health, term, accident) through us, helping you manage high-volume claims where employee satisfaction is a top priority.

Frequently Asked Questions

Frequently Asked Questions

How do I know how much CGL coverage I need?

Can CGL insurance cover claims made after the policy expires?

How is the cost of CGL insurance determined?

Does CGL insurance cover product liability?

What are the limits of CGL insurance?

Can CGL insurance be bundled with other policies?

Is CGL insurance required by law?

Does CGL insurance cover employee injuries?

Who needs CGL insurance?

What is CGL insurance?

Frequently Asked Questions

How do I know how much CGL coverage I need?

Can CGL insurance cover claims made after the policy expires?

How is the cost of CGL insurance determined?

Does CGL insurance cover product liability?

What are the limits of CGL insurance?

Can CGL insurance be bundled with other policies?

Is CGL insurance required by law?

Does CGL insurance cover employee injuries?

Who needs CGL insurance?

What is CGL insurance?