All entrepreneurs are exposed to civil liability arising due to negligence in the course of their business operations.

Since prevailing public law is stringent and courts are awarding huge sums arising out of liabilities, it is prudent to take such an insurance cover even in cases where it is not mandatory.

Public Liability insurance policy is suitable for business engaged in premises-based activities such as

• Offices
• Showrooms
• Warehouses

This policy indemnifies against amounts the insured is legally liable to pay as damages to third parties due to a negligent act:

• Compensation for accidental death or bodily injury.
• Damage to or loss of property
• Legal costs incurred subject to the prior consent of the insurer.

Commercial General Liability (CGL) policy is a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury or property damage arising out of their

• Premises
• Operations
• Products
• Completed operations
• Advertising