What’s Not Covered by Commercial General Liability Insurance? A Simple Guide for Indian Businesses

The following examples are situations where CGL provides no cover:

Intended Injury: Any injury inflicted intentionally by any employee of your business will not be covered by insurance.

Injuries to Employees: CGL does not cover injuries sustained by your employees in the workplace. You will require a separate workers' compensation policy.

Professional Errors: If your company is adjudged to be negligent in providing advice or services, the subsequent losses resulting from this will not be covered under the CGL. You will require separate professional liability insurance.?

Pollution-Related Clean-Up: Under common circumstances, the CGL will not respond to claims for clean-up from pollution caused by your business.?

Car Accidents: Should one of your business vehicles cause an accident, CGL would not protect you. For such accidents, commercial auto insurance would be needed.

Product Recall- Expenses incurred in recalling a product will not be covered by the CGL. 

War and Terrorism: Damages sustained due to war or terrorist aggression will not be compensated. 

Contractual Claim: CGL will not cover any legal costs associated with a breach of contract. 

Your Property: CGL will not cover damages to your assets. 

Risk Assessment

Make sure your business is well protected by coming to an insurance expert. They will help you obtain a full picture of the coverage you need and which policies will protect you better. 

Remember, having the right insurance can save your business from losing everything.