Commercial General Liability (CGL) Insurance protects against legal liability arising from bodily injury or property damage caused to third parties during business operations.
The policy typically covers premises and operations liability, products and completed operations liability, and legal defence costs, subject to policy terms.
CGL insurance helps businesses manage third-party risks arising from day-to-day activities and contractual obligations, thereby safeguarding financial stability and business reputation.
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Directors and Officers (D&O) Liability Insurance provides coverage to company directors, officers, and sometimes the organisation itself, by reimbursing losses or advancing defence costs when they face legal actions alleging wrongful acts in their managerial roles.
The policy may also extend to defence expenses arising from criminal or regulatory investigations and trials, subject to its terms and exclusions.
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The Public Liability Insurance Act 1991 makes it mandatory for businesses dealing in a hazardous environment to take suitable insurance.
Policy provides mandatory no-fault statutory cover for third-party death, bodily injury, and property damage arising from accidents involving hazardous substances as per the Public Liability Act 1991.
The Public Liability Insurance Act, 1991 (PLIA) underwent significant revisions, with new Rules notified on 17 December 2024.
The Workmen’s Compensation Policy (Employees’ Compensation Policy) enables employers to provide compensation to employees or their families in the event of death, bodily injury, or disability—whether permanent or partial—arising from accidents or injuries sustained out of and in the course of employment.
Coverage provided is Indemnity against legal liability for accidents to employees under the Employees’ Compensation Act, 1923 and subsequent amendments of the said Act prior to the date of the issue of the policy; The Fatal Accidents Act 1855 and Common Law provisions.
