Comprehensive General Liability Insurance for Businesses

Comprehensive General Liability (CGL) Insurance is a crucial requirement for business permit renewal issued by Local Government Units (LGUs) in the Philippines. This legal liability insurance safeguards your business against third-party coverage for legal liabilities arising from accidental bodily injury or property damage that occurs on your business premises.

✅ Coverage Overview

This insurance protects against the Legal Liability of the Insured for 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  

Fire Legal Liability Extension 🔥  

Information Technology Clarification Clause 💻

🚫 Key Exclusions

Silica Exclusion  

Internet Liability Exclusion 🌐  

Electromagnetic Field Exclusion ⚡  

Fines, Penalties, Punitive, Exemplary & Multiple Damages Exclusion  

Third Party Liability (TPL) Wetting Exclusion 💧  

Cyber Loss Absolute Exclusion Clause 🔐  

Infectious / Contagious Diseases Exclusion 🦠  

War and Terrorism Exclusion 💣  

Standard Terrorism Determination Clause

📜 Policy Conditions

Premium Payment Prior to Settlement of Claim Clause  

Sanction Limitation and Exclusion Clause  

Documentary Stamps Clause

🌪️ Special Exclusions

Excluding liability arising from Acts of Nature or Force Majeure (e.g., earthquakes, typhoons, floods)  

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  

Other terms, conditions, and exclusions as per the Provider’s Standard Comprehensive General Liability Policy.