Comprehensive General Liability Insurance Policy

The policy usually covers legal liabilities arising from bodily injury or property damage to third parties, personal and advertising injury, medical payments, and products-completed operation

Yes, the policy is usually customisable to meet the specific needs of different businesses, including coverage limits and additional endorsements. Check with your insurance provider to know more.

Yes, the policy usually covers the cost of legal defense in the event of a lawsuit, even if the claims are groundless.

The policy typically covers medical expenses for injuries sustained by third parties on your business premises, regardless of fault, providing immediate financial assistance.

Yes, common exclusions include intentional misconduct, contractual liabilities, and certain professional services. Always review your policy for specific exclusions.

In the event of a claim, notify your insurance provider immediately. Provide necessary documents such as the insurance policy, incident report, and any relevant legal documents. The insurer will assess the claim and process it accordingly.

Commonly required documents include the insurance policy, incident report, legal notices, medical reports, and any other relevant documentation.

The time frame can vary depending on the complexity of the claim and the completeness of the documentation provided. Prompt reporting and submission of all required documents can expedite the process.

If your claim is denied, review the reasons provided by your insurance provider. You can appeal the decision by providing additional evidence or documentation to support your claim.

Yes, common exclusions usually include intentional misconduct, contractual liabilities, and certain professional services. Always review your policy for specific exclusions.

In case of renewal, contact your insurance provider before the policy expiration date to discuss renewal options. Review your coverage needs and make any necessary adjustments to the polic

Yes, you can update your policy to reflect any changes in your business operations, such as new services, products, or additional coverage needs.

Consider changes in your business operations, potential new risks, and any past claims. Adjust coverage limits and endorsements as needed.

Some insurers may offer a grace period, but it’s important to renew your policy before it expires to avoid any gaps in coverage.

No, you cannot switch your insurer, but in case you want anything to be changed or improvised you may reach out to your insurance provider.