What does comprehensive general liability insurance cover

The comprehensive general liability (CGL) policy is a wider form of cover than the public liability insurance policy. The CGL policy provides coverage for liability (including legal defence costs and expenses) for death, bodily injury and/or property damage to any third party arising out of business activities of the insured. The coverage can be extended to include Product liability and/or liability for completed operations.

The following are some of the common extensions included under the CGL Policy depending upon the business of the insured :

• Personal & advertising injury
• Liability to property under care, custody and control
• Property being worked upon
• Principal’s existing surrounding property
• Contingent automobile liability
• Employers liability
• Contractual liability
• Landlord’s liability toward tenants
• Tenant’s liability toward landlord
• Food and drinks liability
• Liability arising out of usage of swimming pools, gymnasium
• Liability arising out of lifts, elevators, escalators
• Car park liability

The CGL policy is generally taken on an umbrella basis to provide coverage to the entire business operations of a company/group with substantially high liability limits. The policy can be taken as ‘primary policy’ or on an ‘excess of loss’ basis.

Related to Comprehensive General Liability Insurance

• General Liability Insurance Subcontractor shall carry minimum primary General Liability Insurance for the following amounts:

• Liability Insurance means compulsory professional liability errors and omissions insurance required by a governing body;

• Professional liability insurance means insurance against legal liability incident to the practice of a profession and provision of a professional service.

• General Liability means:Your legal liability in respect of Personal Injury and/or Property Damage and/or Advertising Injury caused by or arising out of an Occurrence happening in connection with the Business other than Products Liability.

• Fidelity Insurance means insurance coverage with respect to employee errors, omissions, dishonesty, forgery, theft, disappearance and destruction, robbery and safe burglary, property (other than money and securities) and computer fraud in an aggregate amount acceptable to Seller’s regulators.

• Property Insurance is defined in Section 6.10(a).

• D&O Liability Insurance Policies means all insurance policies (including any “tail policy”) of any of the Debtors for liability of any current or former directors, managers, officers, and members.

• Insurance means (i) all insurance policies covering any or all of the Collateral (regardless of whether the Collateral Agent is the loss payee thereof) and (ii) any key man life insurance policies.

• First party insurance means an insurance policy or contract in which the insurer

• FHA Insurance The contractual obligation of FHA respecting the insurance of an FHA Loan pursuant to the National Housing Act, as amended.

• General Liabilities shall have the meaning given it in Article III, Section 6(b) of this Declaration Trust;

• Casualty insurance means liability insurance.

• Travel insurance means coverage for personal risks incidental to planned travel, including one or more of the following:

• Sum Insured means the maximum amount of coverage, as specified in the Policy Schedule, that the Insured/Insured Person is entitled to in respect of each benefit and as applicable under the Policy.

• Company Insurance Policies has the meaning set forth in Section 4.15.

• Other insurance means insurance available to any covered person that covers a loss to which this policy applies, other than either primary insurance or insurance specifically purchased by you to be excess of the insurance afforded by this policy.

• Co-insurance means the portion of the carrier's allowable charge for the covered item or service

• Comprehensive agreement means the comprehensive agreement between the private entity and the responsible public entity that is required prior to the development or operation of a qualifying project.

• Blanket insurance policy means a group policy covering a defined class of

• Primary insurance means the policies listed in this policy’s Umbrella Schedule.

• Crew Insurances means insurances against crew risks which shall include but not be limited to death, sickness, repatriation, injury, shipwreck unemployment indemnity and loss of personal effects.

• Comprehensive Plan means a generalized, coordinated land use map and policy statement of the governing body of a local government that interrelates all functional and natural systems and activities relating to the use of lands, including but not limited to sewer and water systems, transportation systems, educational facilities, recreational facilities, and natural resources and air and water quality management programs. “Comprehensive” means all-inclusive, both in terms of the geographic area covered and functional and natural activities and systems occurring in the area covered by the plan. “General nature” means a summary of policies and proposals in broad categories and does not necessarily indicate specific locations of any area, activity or use. A plan is “coordinated” when the needs of all levels of governments, semipublic and private agencies and the citizens of Oregon have been considered and accommodated as much as possible. “Land” includes water, both surface and subsurface, and the air.

• Coverage means the types of persons to be eligible as the beneficiaries of the Scheme to health services provided under the Scheme, subject to the terms, conditions and limitations.

• Insurance Coverage Contractor shall, at Contractor’s sole expense, procure, maintain and keep in force for the duration of this Contract the following insurance conforming to the minimum requirements specified below. Unless specified herein or otherwise agreed to by the City, the required insurance shall be in effect prior to the commencement of work by Contractor and shall continue in force as appropriate until the latter of:

• Excess Insurance means insurance purchased from an insurance company authorized or admitted in the State of New Jersey or deemed eligible by the Commissioner as a surplus lines insurer or from any other entity authorized to provide said coverage in this state pursuant to law, covering losses in excess of an amount set forth in insurance contracts on a specific occurrence, or per accident or annual aggregate basis.

• Period of Insurance means the period commencing from the retroactive date and terminating on the expiry date as shown in the Policy Schedule.