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Commercial General Liablity

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We at KVISION are your one stop solution to all your insurance related queries. Insurance claims require specialized knowledge to reach a settlement, which we pioneer in. Our goal is to get your insurance claim settled promptly and fairly. We believe in giving individual attention for settlement of large and complicated claims. Our dedicated team works 24*7 for you.

Commercial General Liability

Such a policy is one that covers bodily injury, personal injury and property damage caused by the business’ operations, products, or injury that occurs in the premises of the business.

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What is Covered?

Bodily Injury

Property Damage that may arise due to premises operation or products/ completed operations.

Third party medical payments regardless of the fault.

Defense cost is also covered.

Personal as well as Advertising Injury Liability to a third party resulting from an offence committed during the course of business. This includes:

  • Oral or written publication of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products or services; separately to each Insured against whom claim is made or "action" is brought.
  • Fire Damage to the premises rented to the insured or temporarily occupied by the insured with the permission of the owner of the premises.
  • Subsidiary companies could be covered under single policy.

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What is not Covered?

Any intended, expected or such liabilities, which the insured is under normal circumstances not liable to pay but is now paying by reasons of assumption of liability.

Liabilities, which are already covered by other policies by operation of statute, like Liabilities arising under Workmen Compensation.

Liabilities, which arise while performing duties related to the conduct of the Insured’s business, are not covered. Professional Liabilities.

Property damage to impaired property arising out of: A defect, deficiency, inadequacy or dangerous condition in the product or a delay or failure by anyone acting on behalf of the company to perform a contract or agreement in accordance with its terms.

This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to the software after it has been put to its intended use.

Damage to the Insured’s product or work.

Recall of Products, works or impaired property and Product guarantees.

Errors as well Omissions would be excluded.

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