Commercial General Liability (CGL) Insurance
Broad liability cover for your premises, operations and products.
Commercial General Liability brings several liability covers into one: your premises, your day-to-day operations, the products you sell and the work you complete. Multinational clients and large contracts often require a CGL policy before they work with you.
Who needs it
- Manufacturers and exporters
- Contractors and service providers to large companies
- Businesses whose contracts require liability cover
What's covered
Premises and operations
Injury or damage to third parties from your premises and activities.
Products and completed operations
Claims arising from products sold or work completed.
Personal and advertising injury
Claims such as defamation in advertising, as per policy.
Legal defence costs
Costs of defending covered claims.
What's not covered
We show you the catch before you buy. Common exclusions (exact terms vary by insurer and plan):
- Injury to your own employees
- Professional errors and advice (see Errors & Omissions)
- Pollution, unless specifically covered
- Known claims before the policy started
Popular add-ons
Worldwide jurisdiction
For exporters whose products are sold abroad.
Product recall
Costs of recalling defective products, where available.
Documents checklist
To get a quote or buy
- Business description and products
- Annual turnover, including exports by country
- Limit of indemnity required
- Past claims and client contract requirements
To make a claim
- Claim or legal notice received
- Incident report
- Product and batch details, for product claims
- Correspondence with the claimant
Frequently asked questions
Public liability or CGL?
CGL is broader. It adds products and completed operations to premises liability, and is usually what international clients ask for.
Do exporters need CGL?
If your products are sold abroad, especially in the USA or Canada, CGL with the right territory is strongly recommended.
Related cover
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