Commercial General Liability (CGL) Insurance
Mitigata helps you choose CGL Insurance after reviewing your premises, operations, product risk, service exposure, and budget.
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Iffco Tokio
SBI General
Kotak Zurich
Raheja QBE
TATA AIG
Liberty General
Cholamandalam
Shriram General
Reliance
Go Digit
What protects your business premises. What doesn't.
This section explains common covered and not-covered areas before a third-party claim turns into a dispute.
- Covered01 / 09
Bodily injury coverage
Protection against claims for bodily injuries sustained by third parties on your business premises or as a result of your operations, products, or services.
- Covered02 / 09
Property damage coverage
Coverage for damage to third-party property caused by your business operations, products, or services.
- Covered03 / 09
Personal and advertising injury
Coverage for non-physical injury claims such as libel, slander, or copyright infringement.
- Covered04 / 09
Legal defence costs
Coverage for legal expenses, including attorney fees, court costs, and settlements or judgments related to covered claims.
- Covered05 / 09
Medical payments
Coverage for medical expenses incurred by third parties injured on your premises, regardless of fault.
- Covered06 / 09
Products and completed operations
Coverage for liability arising from products you have sold or operations you have completed.
- Not covered07 / 09
Professional liability
Claims for errors, omissions, or negligence in professional services are not covered under CGL Insurance.
- Not covered08 / 09
Intentional acts
Coverage does not extend to deliberate acts of harm or damage caused by the insured.
- Not covered09 / 09
Intended and expected injury
Coverage is not provided for losses which are expected and intended out of a covered product.
Disclaimer: Explanations in "What's Included" are illustrative and subject to the Policy's terms, conditions, and exclusions. Refer to the Policy Document for details.
We compare more than premiums.
We help you avoid buying CGL cover that sounds broad but misses the risks your business actually faces.
Quote first. Questions later.
- 01·Price
Premium gets compared before your liability risk is understood.
- 02·Wording
Exclusions appear only when the claim gets serious.
- 03·Claims
Documents bounce between teams, brokers, and insurers.
- 04·Support
After policy purchase, help becomes slow and unclear.
Risk checked. Cover matched. Support stays.
- 01·Assess
We review your business risk before suggesting cover options.
- 02·Match
Top insurers are compared for wording, price, and fit.
- 03·Claims
24/7 support helps claims move without unnecessary chaos.
- 04·Honest
We explain limits clearly and do not overpromise cover.
Covers that work well with CGL.
Pair CGL Insurance with policies that cover service liability, digital incidents, and directors' management exposure.
Errors and Omissions Insurance
Professional liability cover for service mistakes, negligence claims, client disputes, omissions, and legal defence costs.
Cyber Insurance for Businesses
Corporate cyber cover for data breaches, ransomware, business interruption, breach response, legal costs, and third-party liability.
Directors and Officers Insurance
Protects directors and officers from claims, investigations, legal costs, and personal liability linked to leadership decisions.
Estimate your premium before the sales call does.
Pick your industry, team size, and preferred cover. Get a quick premium estimate without forms, follow-ups, or the classic "we'll get back to you."
This is an estimated quote. Final quote depends on full risk profile, coverage limit, prior claims, controls in place, and insurer underwriting.
The "do we really need CGL insurance?" section.
- Commercial General Liability Insurance protects businesses from covered third-party injury, property damage, advertising injury, and legal defence claims.
- It may cover bodily injury, property damage, personal and advertising injury, legal costs, medical payments, and completed operations liability.
- No. Professional mistakes, negligence, errors, and omissions usually need separate Errors and Omissions Insurance.
- No. Employee injuries are typically handled through workers' compensation or employee-focused insurance policies.
- No. Data breaches, cyber attacks, and related losses usually need separate cyber liability insurance.
- Mitigata compares insurer options, explains policy wording, supports documentation, and helps during claim coordination.
Before one complaint becomes a lawsuit, talk to us.
Book a 30-minute walkthrough with Mitigata. We'll review your premises risk, operations, product exposure, insurer options, and CGL Insurance wording before a third-party claim turns into a costly surprise.