Comprehensive General Liability - CGL

Comprehensive General Liability (CGL) Insurance is a common requirement for business permit renewal issued by Local Government Units (LGUs) in the Philippines. This policy protects your business against legal liability to third parties arising from accidental bodily injury or property damage occurring within your business premises.

✅ Coverage Overview

This insurance covers the Legal Liability of the Insuredfor actual or compensatory damages resulting from:

🔹 Accidental Bodily Injury to third parties

🔹 Accidental Property Damage to third-party properties

These incidents must arise from the use, operation, and maintenance of the insured premises within the declared location of risk.

💰Sample Limit of Liability

✔ PHP 100,000.00 per occurrence
✔ PHP 100,000.00 annual aggregate limit

📌 Combined Single Limit (CSL)

✔ Covers both bodily injury and property damage

✔ Defense costs and legal expenses are included ⚖️

🧾 Sample Deductibles

🔸 Third Party Bodily Injury – NIL (No deductible) 👍
🔸 Third Party Property Damage –
   • 10% of loss amount
   • Minimum of PHP 10,000.00 per loss

📌 Clauses and Warranties (Included)

The policy is subject to standard terms, conditions, clauses, and exclusions, including but not limited to:

🔐 Extensions & Clarifications

1. Fire Legal Liability Extension 🔥
2. Information Technology Clarification Clause 💻

🚫 Key Exclusions

1. Silica Exclusion
2. Internet Liability Exclusion 🌐
3. Electromagnetic Field Exclusion ⚡
4. Fines, Penalties, Punitive, Exemplary & Multiple Damages Exclusion
5. Third Party Liability (TPL) Wetting Exclusion 💧
6. Cyber Loss Absolute Exclusion Clause 🔐
7. Infectious / Contagious Diseases Exclusion 🦠
8. War and Terrorism Exclusion 💣
9. Standard Terrorism Determination Clause

📜 Policy Conditions

1. Premium Payment Prior to Settlement of Claim Clause
2. Sanction Limitation and Exclusion Clause
3. Documentary Stamps Clause

🌪️ Special Exclusions

1. Excluding liability arising from Acts of Nature or Force Majeure (e.g., earthquakes, typhoons, floods)
2. Excluding properties, structures, facilities, goods, or equipment under the care,      custody, and control of the Insured, or those being worked on or operated by the Insured
3. Other terms, conditions, and exclusions as per the Provider’s Standard      Comprehensive General Liability Policy