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What Our Plans Cover
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Third-party bodily injury arising...
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Third-party property damage
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Liability arising from products af...
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Completed operations liability
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Legal defence costs and expenses
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Liability for the acts of employee...
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Contractual liability
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Medical expenses for minor injurie...
Who Can Consider This Plan?
- A registered business, professional practice or organisation
- Activities within the classes the insurer writes
- Accurate disclosure of turnover, activities and territories
- Disclosure of all known circumstances that could give rise to a claim
- Compliance with any statutory licensing applicable to the activity
What May Not Be Covered?
- Injury to your own employees, which is an employer's liability matter
- Damage to property in your own care, custody or control
- Professional advice and services, which need professional indemnity
- Product recall costs, which are a separate cover
- Pollution, unless specifically covered
Always check the policy wording before you commit.
Why Choose Wealth & Covers?
- Expert advice to choose the right plan
- Plans from leading insurance companies
- Hassle-free process and documentation
- End-to-end support, including claim assistance
- Dedicated relationship manager
Our Insurance Partners
- Star Health Insurance
- Care Health Insurance
- Niva Bupa Health Insurance
- HDFC ERGO
- ICICI Lombard
- Bajaj Allianz
We represent multiple providers to help you find the most suitable option at the best price.
- Expert Guidance Personalised advice from experienced insurance professionals.
- End-to-End Support From choosing the right plan to claim assistance, we are with you always.
- Claims Assistance Hassle-free claim support to ensure you get what you deserve.
- Transparent Process Clear information, easy documentation and a hassle-free experience.
Overview
Comprehensive general liability covers a business against third-party claims for bodily injury and property damage arising from its premises, operations, products and completed work. It is the foundation policy on which most commercial liability programmes are built.
Its breadth is the point. Rather than insuring a single named exposure, it responds to the ordinary ways a business causes harm — a visitor injured on site, a customer's property damaged during service, a product that fails after delivery.
Defence costs matter as much as the limit. Liability claims are frequently defended rather than paid, and legal costs can be substantial even where the claim ultimately fails. Whether those costs sit inside or outside the limit is one of the most consequential terms in the policy.
Who should consider it
Any business with premises the public enters, operations carried out at customer sites, or products sold to third parties. Most commercial contracts now require it as a condition of engagement.
Benefits
- Broad cover across premises, operations, products and completed work
- Legal defence costs, which often exceed the settlement itself
- Satisfies the liability requirement in most commercial contracts
- Extendable to cover contractual liability assumed under agreements
- Worldwide extensions available for exports and overseas work
- Vicarious liability for the acts of employees and contractors
What is covered, and what is not
Read the right-hand column first. It is the one that decides whether a claim is paid.
Typically covered
- Third-party bodily injury arising from your operations
- Third-party property damage
- Liability arising from products after they leave your control
- Completed operations liability
- Legal defence costs and expenses
- Liability for the acts of employees within their employment
- Contractual liability, where the extension is taken
- Medical expenses for minor injuries, on a goodwill basis
Typically not covered
- Injury to your own employees, which is an employer's liability matter
- Damage to property in your own care, custody or control
- Professional advice and services, which need professional indemnity
- Product recall costs, which are a separate cover
- Pollution, unless specifically covered
- Contractual liability beyond what the extension covers
- Deliberate acts and known circumstances
- Fines and penalties imposed by regulators
Inclusions and exclusions vary between providers and between plans from the same provider. The wording in your own policy document is what governs — we will walk you through it before you buy.
How it works with us
- 1 We map the exposure before choosing a policy What you do, who it touches, and where a claim would come from. Liability cover follows the exposure, not the industry label.
- 2 Trigger and retroactive date agreed first Occurrence or claims-made, and how far back the cover reaches. These decide more than the limit does.
- 3 Limits tested against a realistic worst case Not the average claim — the one that would matter. Defence costs are part of that calculation.
- 4 Underwriting and, for larger risks, a survey Insurers price liability on process and controls. Good documentation genuinely lowers the premium.
- 5 Policy issued, and notification process explained Late notification is the leading cause of declined liability claims. We make sure your team knows when to call.
Important considerations
The things a brochure tends to leave out. Read these before you decide.
- Check whether defence costs sit inside or outside the limit. Costs inside the limit reduce what is left to pay the claimant, and on a defended claim that erosion can be substantial.
- The aggregate limit caps the total for the year, not just each claim. A business with several claims can exhaust it and be uninsured for the balance of the period.
- Property in your care, custody or control is excluded. If you work on customers' property or hold their goods, that needs separate cover.
- Professional advice is outside this policy. Any business that advises as well as does needs professional indemnity alongside it.
- Notify circumstances as soon as you become aware of them. Late notification is the leading reason liability claims are declined.
Documents required
- Business registration and constitution documents
- Description of activities, products or services
- Annual turnover and, where relevant, export turnover
- Number of employees and details of contractors engaged
- Claims and incident history, usually for five years
- Existing policy schedules, where cover is being replaced
- Contracts specifying required indemnity limits, where applicable
Frequently Asked Questions
What does "occurrence based" mean?
The policy responds to injury or damage that occurred during the policy period, regardless of when the claim is made. That is more generous than claims-made cover, because a claim arriving five years later is still covered by the policy in force when the incident happened.
Are defence costs included in the limit?
It varies, and it matters a great deal. Costs inside the limit erode what remains for the claimant; costs in addition to the limit preserve it. On a heavily defended claim the difference can be most of the cover.
Does it cover damage to a customer's property I am working on?
Generally not — property in your care, custody or control is excluded. Businesses that work on customers' property need a specific extension or a separate policy for that exposure.
Is professional advice covered?
No. Claims arising from advice, design or professional services fall under professional indemnity. A business that both advises and executes needs both policies, and the boundary between them is worth mapping deliberately.
What limit should I choose?
Test it against a realistic worst case rather than an average claim, and remember the aggregate caps your total for the year. Contract requirements often set a floor, but that floor is rarely a reasoned assessment of your actual exposure.
Want a shortlist instead of a catalogue?
Tell us the situation and an advisor comes back with two or three options that actually fit — and names what each one gives up.