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NEW PROPERTY & CASUALTY INSURANCE

COMMERCIALGENERALLIABILITY
WhyCGL Becausemistakeshappen,theyneedtobeprotected. EssentiallyaCGLPolicyexiststocleanupbusinessmistakes,providingcoverageforclaims relatedtonegligentbusinessactivities. ItisaCompanysfirstlineofdefenseagainstliabilitiesarisingoutofitsoperations. WhatisCGL Itisabroadformpolicyprovidingallriskscoverage. Basically,itprotectsthenamedinsuredfromitslegalliabilityarisingoutofbodilyinjuryand tangiblepropertydamage,arisingoutofanoccurrence. Anoccurrenceisdefinedasanaccidentwhichincludescontinuousorrepeatedexposure tothesamegeneralharmfulcondition. CoverageABodilyinjury&PropertyDamage Thepolicywillcoverforlossestowardsbodilyinjuryandpropertydamage,only Ifthelossiscausedbyanoccurrencethattakesplaceinthecoverageterritory Ifthelossoccursduringthepolicyperiod Ifclaim/suitisbroughtinthecoverageterritory CoverageBPersonal&AdvertisingInjury PersonalInjury Liabilityforpersonalinjury tothird parties,whichinclude both bodily harm and
nonphysical,noneconomicharm.Injuriesthatareneitherphysicalnoreconomicmayincludelibel, slander,falsearrest,discrimination,invasionofprivacy,maliciousprosecution. Advertising Injury Arising out of oral or written statements made in the course of advertising activitiesthatcauseslosstoanotherpersonorbusinessbylibel,slander,defamation,andviolationof privacy,piracy,andmisappropriationofideas,infringementofcopyright,trademark,titleorslogan.

However,thiscoveragedoesnotapplytocompaniesinthebusinessofadvertising CoverageCMedicalPayments Thepolicyprovidesanominalamountofcoveragetopayformedicalexpensestothirdpartiesfor injuriescausedbyaccidentsarising: OnpremisesownedorrentedbytheInsured OnwaysnexttopremisesownedorrentedbyInsured OutofInsuredsoperations. ThissectionworksonanofaultbasisI.e.asuitneednotbefiledagainsttheinsured. SomeExtensions


NonownedHiredAutoLiabilityProvidescoverageforliabilitiesarisingoutoftheuseofnonowned hiredautorisks,whichareotherwiseexcluded. ContractualLiabilityProvidesforinclusionofcontractandagreementsrelatingtoinsuredsbusiness excludingaircraftsandwatercrafts. FireLegalLiability AdditionalInsuredVendors AbsolutePollutionExclusion EmployeeBenefitsLiabilityCoversactsoferrorsandomissionsintheadministrationofEmployee Benefits. ProductsCompletedOperationsHazardExcludesthiscoverfromthepolicy.


For More Details Please Contact
NEWPROPERTYCASUALTY@GMAIL.COM KHRISTYHITESH@GMAIL.COM

NEW PROPERTY & CASUALTY INSURANCE


For More Details Please Contact


NEWPROPERTYCASUALTY@GMAIL.COM KHRISTYHITESH@GMAIL.COM

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