deepthi sIn 2025, more than 60% of liability claims against Indian businesses resulted from incidents that were never covered by their existing policies.
From slip-and-fall incidents in stores to product failures that sparked viral outrage online, companies are losing millions of dollars every year on claims they never imagined would occur.
Business owners mistakenly think cyber or property insurance will cover everything, but one claim for injury, third-party damage, or advertising injury can expose a gap of crores in coverage very quickly. This is where Commercial General Liability (CGL) Insurance enters the scenario.
In this article, we discuss about what CGL covers, what is excluded and how the right coverage can protect you from scarring your reputation from liability events in 2025-26.
Why Pay More When ₹3CR Cover Costs Just ₹15,000/Year?
From accidents to damages, Mitigata’s CGL insurance shields your business with fast claims and seamless support
Why Businesses Choose Mitigata for CGL Insurance
Mitigata is India’s leading cyber resilience and risk protection partner, trusted by 800+ organisations across 25+ industries. The company’s CGL solutions combine insurance, automation, and expert risk governance to provide unified protection.
Mitigata: India’s Most Trusted CGL Insurance Partner
Complex terms, hidden exclusions, and slow claim support often leave businesses feeling unprotected when they need help most. That’s where Mitigata stands out.
We simplify CGL coverage for businesses of every size, ensuring clarity, transparency, and quick response when a claim arises.
Here’s how we make it simple:
- Tailored policies designed around your industry risks and operations.
- Fast, hassle-free claims support with real-time guidance.
- Transparent terms so you know exactly what’s covered.
- Expert assistance from specialists who understand your business challenges.
Mitigata partners with leading insurers such as HDFC ERGO, ICICI Lombard, and Bajaj Allianz to provide reliable coverage at competitive rates. Trusted by over 800 businesses across 25+ industries, we help keep your business protected and your risks under control.
Commercial General Liability (CGL) – What Does It Include?
A CGL policy covers a business’s legal and financial liability for third-party claims made against the business for bodily injury, property damage, or personal or advertising injury. It includes liability for risks of your operations, products, or employee actions.
Bodily Injury & Property Damage
Covers you if your business activities, equipment, or premises cause injury to another person or damage to someone else’s property.
Personal & Advertising Injury
Protects you against claims such as defamation, libel, slander, or false advertising caused by your marketing communications.
Medical Payments
Pays for medical expenses if someone is injured on your business premises without the need to wait for court proceedings.
Legal Defence Costs
Covers the cost of defending yourself in court, including legal fees, court charges, and settlements for covered claims.
Products & Completed Operations
Protects you from liability if a product you sold or a service you completed later causes injury or property damage.
Design Defects
Covers the Liability for harm as a result of a product designed in an unsafe way that causes injury.
Failure to Warn
Provides coverage if your product causes harm because it lacked clear instructions or proper safety warnings.
The need for Professional Indemnity Insurance is rising steadily. Learn what it covers, its coverage limits, and how insurers determine premium costs.
The Benefits of CGL Insurance Coverage
CGL insurance provides businesses with financial coverage against unexpected third-party risks. The following are the primary benefits of CGL insurance:
Comprehensive Third-Party Protection
CGL insurance covers a variety of liabilities that include bodily injuries, property damage, and advertising-related claims. It helps businesses address the unexpected costs of legal compensation and settlements without entirely derailing their operations.
Financial Security
A single lawsuit could drain your cash reserves or access to credit. CGL insurance absorbs those costs and allows you to maintain a stable financial position.
Regulatory & Contractual Compliance
Many clients, export partners, and tenders demand proof for active liability insurance. CGL coverage builds trust in your business and keeps your business ready for contracts.
Operational Continuity
Even during active claims, business operations could remain unaffected and run smoothly, meanwhile the insurer takes care of the investigations, legal proceedings, and settlements of your business.
Risk Governance Alignment
A well-designed CGL policy fits perfectly into your overall risk governance model and complements your existing cyber, regulatory, and operational controls to mitigate risk across multiple levels. Insurance coverage will work alongside your risk monitoring and safety to help align risk prevention, response, and recovery strategies.
When Accidents Happen, We’re Already There
What Is Excluded From CGL Insurance
Although CGL insurance offers substantial coverage, it does not cover all types of business risk. Understanding your exclusions allows you to identify potential areas where you may need to purchase additional coverage.
Professional Service
Any claims arising out of giving professional advice, consultation or specialised services are excluded.
For example, if an architect makes a mistake in a design and it causes damage to a property, or a consultant gives financial advice and it results in loss, those claims are covered under professional indemnity insurance and not a CGL policy.
Want to know more about Commercial General Liability Insurance?, Read this. Here are the 10 best insurers in India.
Employee injury
CGL policies are intended for third parties, not your employees. Injuries that occur to staff members will have separate coverage under Workers’ Compensation or Employees’ Liability Insurance. Any medical payment or compensation related to injury to an employee will need to be claimed under those policies.
Intentional Acts
There is no coverage for any intentional acts that cause damage or injury. If an insured or their employee intentionally injures someone or damages someone’s property, then those claims are automatically excluded. Insurance will only respond to accidental or unintentional claims.
Contractual Liabilities
If your business signs a contract that creates liability beyond your normal legal liability, the CGL may not pay for those obligations. Always read contracts carefully to ensure you are not taking on uninsured liability.
One Policy.Every Risk Covered.
Conclusion
CGL insurance is no longer a good-to-have policy; it’s a core layer of enterprise defence. Whether your risks arise from physical operations or digital exposure, it keeps your balance sheet, reputation, and clients protected.
Mitigata simplifies the entire process, from policy selection to claim management all backed by expert monitoring and risk analytics.
Contact Mitigata today for a custom CGL insurance solution and secure your liability coverage.
akshit k