Commercial General Liability Insurance

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Defend Against Third Party Claims with General Liability Insurance

One Unexpected Accident. One Massive Lawsuit. Are You Covered?” A simple mishap—like a slip, a fire, or a falling object—can turn into a costly legal battle. If a customer, visitor, or vendor is injured on your premises, you could be liable for huge compensation claims. Commercial General Liability Insurance protects businesses like malls, hospitals, restaurants, and hotels from third-party injury, property damage, and legal expenses—so you can focus on running your business, not fighting lawsuits.

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    Why Every Business Needs CGL Insurance

    Protect Your Business Before a Claim Threatens It.

    Your business welcomes employees, customers, and vendors every day—but what happens when an accident on your premises leads to an injury or lawsuit? Without business liability coverage, you could be responsible for medical expenses, property damage, and costly legal defense.

    Why Businesses Trust Edify’s CGL Insurance:

    • Third-Party Liability Protection: Covers compensation for injuries or property damage caused to customers, vendors, or visitors.
    • Legal & Defence Costs: Pays for expensive lawyers and settlements, whether in court or through negotiation.
    • Industry-Specific Coverage: Essential for businesses with high public footfall, like malls, hospitals, and entertainment parks.
    • Contractual & Vicarious Liabilities: Protects against claims arising from third-party contracts or indirect liabilities.

    Comprehensive Protection for Every Liability

    Bodily Injury & Property Damage

    Intended to cover the liability of a compensation, when you injure someone or damage others property. A slip at the staircase, fire in premises or a falling loose object can all be source of such incidents leading to claims.

    Advertising & Personal Injury

    Often companies are sued by competitors over an questionable product comparisons or wrong product efficacy claims. A company can also become liable to compensate an individual for harming his personal freedom or reputation.

    Medical Payments

    Most body injuries may not be serious but if ignored can be followed by a resulting body injury compensation claim. The medical expenses limit helps you to provide immediate medical treatment and prevent a possible claim.

    Defence Costs

    All compensation claims whether settled in a court of law or negotiated with the claimant will need expensive lawyers to be employed. Like most other claims, majority of third party claims expenses arise out of defence costs.

    Products & Completed Operations

    When a completed operation like a newly built bridge or building collapses after construction or a contaminated food delivery causes illness it can bring a liability. These were completed operations or products which needs a cover.

    Automobile Liability

    Typical CGL covers do not cover claims due to automobile liability. In many jurisdictions a third party cover is not mandatory. In such cases a Non-Owned or Hired automobile liability cover becomes essential when using such a vehicle.

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