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Comprehensive General Liability Insurance

Table of Content

What is Comprehensive General Liability Insurance?

Comprehensive General Liability Insurance refers to a business insurance policy that provides coverage against claims resulting from any kind of property damage or bodily injury that may be caused by your business operations, its products, or on your premises.

Why is Comprehensive General Liability Insurance Necessary?

Competitive Edge

Having general liability insurance shows clients that your business is trustworthy and that you will take responsibility for your mistakes. It could give you a competitive advantage if a potential client has a choice between your business and another business that doesn’t have insurance.

Focus on growing business

General liability insurance gives you peace of mind so you can focus on growing your business. You can have protection if a client trips and falls or you accidentally damage a customer's expensive property.

Advantages of Comprehensive General Liability Insurance

Coverage for Lawsuits

Having this insurance cover will help your business run more smoothly, as you don’t need to worry about expensive lawsuits.

Protection for your business

When you have general liability insurance, your business will be protected in any situation where some third party (like your business associates, customers, or clients) makes a claim against you.

Features of Comprehensive General Liability Insurance

Bodily Injury

Even with careful planning and the best precautions, accidents and injuries can still happen on the job. Say, for example, one of your clients trips and falls over a bag you left on the floor. This insurance covers any injury (or death) caused to a third party within your business premises.

Property Damage

Property damage, whether caused by you or one of your employees, can create huge expenses that you may be responsible for. CGL insurance covers you in case any third-party property is damaged and needs to be repaired, replaced, or renovated.

Personal Injury

This policy ensures that you’re covered in case a third party suffers from any other kind of injury, like defamations, or wrongful entry.

Advertising Injury

CGL insurance provides protection against the unintentional use of a third party's idea if it was used as part of your advertising. It also covers you against any potential losses from things like copyright infringement, or unintentional libel and slander.

Why buy Comprehensive General Liability Insurance from Raghnall?

One Point of Contact

No need to coordinate with multiple points of contact and third parties. With Raghnall, you only need to stay in touch with us and no one else.

Product Expertise

At Raghnall, we have specialized underwriters and product experts who take the time to understand your business and offer coverages suitable to your needs.

Best Deals

As a fully independent broker, we customize coverage catering to your needs and provide the best price for the most comprehensive coverage.

Who should buy Comprehensive General Liability Insurance?

Restaurants and food service

Slip-and-fall accidents are a risk that food business owners worry about. General liability can help cover medical payments and legal expenses in case of any such incident.

Construction Trades

Artisan contractors and other construction professionals are often required to have general liability to get professional licenses or work on certain jobs. That’s because there’s a risk of injury to other people and property damage in the work they do.

Manufacturing Industries

Manufacturing unit owners can also benefit from the protection general liability insurance provides in case of third-party injuries or property damage.

Cleaning businesses

General liability can protect cleaners from financial losses if they accidentally break or damage property at a job.

Factors to be considered before purchasing Comprehensive General Liability Insurance

Sum Insured

Make sure that you pick the right sum insured for your policy. Choose a policy that allows you to customize your sum insured based on the nature of your business and the risk to your business.


Always check the coverages and the exclusions in your policy. Read through the terms and conditions so you won’t be surprised by anything later.

Claims Process

Claims are one of the most important parts of insurance, so look for a company that has easy-to-make claims and also a simple settlement process, as it can save you and your business a lot of hassle.

Value for Money

Evaluate all the factors together, and consider the risks posed to your employees as well as the sum insured and the premium to find the policy that gives you the best value.

Frequently Asked Questions

General Liability (GL) insurance, sometimes called small business insurance or commercial liability insurance, provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury.

General liability insurance can help protect you from unexpected expenses related to many of the most common types of accidents that can affect your business and lead to lawsuits, such as: Injuries to people who are not your employees (bodily injury) Damage to another person’s property (property damage) Court and legal fees Medical payments Advertising harm Accusations of libel or slander (personal injury or reputational harm)

Some of the major exclusions in the policy are: Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. Liquor Liability: Bodily injury or property damage caused due to intoxication of any person or giving alcoholic beverages to a person under the legal drinking age or under the influence of alcohol. Employer's Liability: It does not cover bodily injury of an employee performing duties related to the conduct of the insured (policyholder) business. Pollution: Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, or release of "pollutants at the location which is or was at any time owned or occupied by any insured. For a detailed list of exclusions, please read the policy wordings.

Your liability insurance premium will be calculated based on various factors that determine how your business is exposed to risks, such as the nature of your business, its location and size, your claims history, and the number of employees.

There are many types of liabilities insurance policies you can opt for. These include management liability, public liability, product liability, professional liabilities, and more.