Commercial General Liability Insurance

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Commercial General Liability Insurance Features

Universally Accepted
Insurance recognized by customers, external agencies and business partners. Meets contractual requirements that you may have.
Comprehensive Cover
Property or bodily damage related claims are covered. The insurance will pay the costs of litigation, court fees and settlements. A third party generally refers to a non-employee such as sub-contractors, visitors or customers. The cover may be restricted to a workspace or may cover all locations.
Original Retroactive Date
Covers claims related to any event after the retroactive date. This is specified as the start date when the first Commercial General Insurance was bought. Ensures that cases that come about several years after the incident are also covered if the insurance has been renewed on time each year.
Legal support
Insurers will provide legal support to defend yourself. In a few cases they will take on the obligation of fighting your case.

Why Claims Get Rejected?

Prior period exclusion

Claims pertaining to a period before the retroactive date are not covered. If there is a break in the renewal of the insurance then the retroactive date is reset to the start date of the new insurance. We prevent this by ensuring timely renewal

Known issues

Claims that come about from an issue that was known before the insurance was bought are rejected. The insurer will cross examine the case closely to see when the company became aware of the matter. This can be addressed by clearly describing any known issues when you buy your first CGL cover

Professional services claims

Claims related to deficient services or negligence are not covered in CGL. Those claims may be covered under a separate Professional Indemnity or Errors and Omissions’ insurance

Why SecureNow

Product Knowledge

We have specialized liability underwriters and tie-ups with international experts.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We will advice you on risk management best practices.

Policy Administration
System (PAM)

See all your contracts renewal information in one place. Place service requests on PAM.


The insured entities under commercial liability insurance can be – Sole proprietors, partnership firms, joint ventures, unincorporated organizations and even employees of an organization.
Commercial liability insurance guards the assets of your company or organization against commercial legal liabilities arising from customer dissatisfaction about a product, errors in rendering a service, potential damage etc. In a dynamic business ecosystem insurance of such nature can prevent financial loss to an enterprise, particularly if they are small and mid-sized companies.
All business owners, factory, or mill owners, BPO and IT company owners, professionals like lawyers, doctors and even legal advisors can buy commercial general liability policy. Typically, those with property assets, employing staff with multiple interactions with clients, whether face-to- face, telephonic, or online, and even hotel and hospitality owners should take this insurance cover.
The size of the company, coupled by the area of business, potential risk of the product served; determines the premium amount for most commercial liability insurance schemes.
Key exclusions under commercial general liability insurance policy are-
  • War and nuclear perils
  • Worker’s compensation and similar laws
  • Expected and intended injuries
  • Loss or damage of insured’s personal property or product
  • Contractual liabilities

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