Comprehensive General Liability Policy Terms, Conditions & General Exclusions



EXTENSIONS/CLAUSES/ WARRANTIES AVAILABLE
 1st Principal Insurer 2nd Principal Insurer  3rd Principal Insurer4th Principal Insurer 5th Principal Insurer 6th Principal Insurer  7thPrincipal Insurer 8thPrincipal Insurer
 9thPrincipal Insurer

 X xx 
x 
x 
x 
x 
x 
x 

 x
x 
x 
x 
x 
x 
x 
xx

 Xx 
x 
x 
x 
x 
x 
x 
x 

 Xx 
x 
x 
x 
x 
x 
x 
x 

 
 X		 
x
 
x

x 

x 

x 

x 

x 

x 

 X 
x
x 
x 
x 
x 
x 
x 
x 

 Xx 
x 
x 
x 
x 
x 
x 
x 

 

X		 

x


x 


x 


x 


x 


x 


x 


x 

X 
x 
x 
x 
x 
x 
x 
x 
x 

X 
x 
x 
x 
x 
x 
x 
x 
x 

 xx 
x 
x 
x 
x 
x 
x 
x 

 xx 
x 
x 
x 
x 
x 
x 
x 

 xx 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

 
x		 
x

x 

x 

x 

x 

x 

x 

x 

x 
x 
x 
x 
x 
x 
x 
x 
x 


x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 


x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 

xx 
x 
x 
x 
x 
x 
x 
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x 
x 
x 
x 
x 
x 
x 
x 
x 

x 
x 
x 
x 
x 
x 
x 
x 
x 
  
        
 Total Extensions32 
        
GENERAL EXCLUSIONS
 1st Principal Insurer 2nd Principal Insurer  3rd Principal Insurer 4thPrincipal Insurer 5thPrincipal Insurer 6thPrincipal Insurer 7thPrincipal Insurer 
  8thPrincipal Insurer 9thPrincipal Insurer 
Aviation liability 
         
Liabilities arising form Employment Practice
 x        
Property Damage to property owned, leased, here by, under hire purchase, on loan or rrented to insured or otherwise in the Insured's care custody or control other then:
 x        
Worker's Compensation cover whether the insurance effected or not
 x        
Fraud, Dishonesty & Intentional Conduct
 x        
Liability assumed under a contract except where:
that the liability would otherwise exist at law in the absent of the  contract; or the contract is an incident Contract and the Liabiity does not arise by reason of an obligation to insure the lease property or an obligation to indemnify the landlord irrespective of fault. 
 x        
Obligations to Employees
 x        
Lost of us tangible property which has not been physically damage or destroyed resulting from:
 x        
Property Damage to: Any product or part of it such damage is attributable to any defect therein or harmful nature or unsuitability thereof; or
by property of repaired, reconditioned or replace by reason of incorrect work  performed by insured or on the insured's behalf, or by reason of materials or equipment which are proved to be defective or inadequate in connection with such work. (this does not apply to Personal Injury & Property Damage resulting from such works.
 x 
        
Completed work recall, inspection, repair, adjustment, removal, replacement or loss of use of any pRoducts or work by or for the insured.
 x 
        
Products Guarantee & Warranty given by insured or on insured's behalf except legislative requirements concerning product safety and information.
 x 
        
Aircraft or hovercraft, airstrip or helipad, or watercraft exceeding 8 metres in lenght while on, in or under the water.
 x 
        
Any Product that is incorporated with the insured's knowledge in an Aircraft.
 x 
        
Use of vehicle owned or physical or legal in control of insured:
which registration required by law or virtue of any legislation require of insurance . With the exception the vehicle owned or use in cark park owned or used by insured not for income or reward as car park operator
         

         
Fines, penalties, punitive, exemplary, liquidated or aggravated damages.
         
Pollution Liability except sudden , identifiable, unintended and unexpected event from the standpoint of the Insured, which entirely at a specific time and place, occur outside USA,Canada, and their respective protectorates and territories. Aggregate not more the face liabilty sum insured.
         
Directors' & Officers' liability         
Cost of Pollution Prevention
         
Asbestos or materials containing asbestos
         
Radiation or nuclear, ionising radiation or contamination by radioactivity and all it's course and activity
         
Act of terrorism and alike
         
WAR, invasion, civil commotion  and it's  definition as per policy wordings
         
Tobacco, tobacco smoke, or any ingredient or additive present in or in used with  tobacco
         
Conctruction, demolition, alteration of, addition  to any building, structure of infrastructure  
 
>200,000/-		        
Waiver of Subrogation/
Compensation which cannot claimed as Contribution from some party by reason of a contractual limitation and excludes Insured's right to so recover a claim. 
         
          
          
(The above are the common principal exclusions of a CGL policy. Please refer to CGL Policy for the business concerned for a complete list of and details of all exclusions.)
Extensions 
(optional and with additional premium)
Dishonesty of Employees*
Libel & Slander*
Loss of Documents*
         
Automatic Extension 
         
Joint Venture Liability 
 x        
Newly Acquired or Created Subsidiaries
 x        
Consultants, Contractors, Subcontractors and Agents
 x        
Run Off Cover for Insured Entity 
 x        
Continuous Cover
 x 
        
Legal Representation at Inquiries
x
        

         






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ThirdPrinciple_CGL_PW.pdf
(194k)
Simon Poon,
Nov 2, 2011, 5:12 AM
v.3
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