What is Business Liability/Comprehensive General Liability?

General Liability Insurance

What is Business Liability / Comprehensive General Liability Insurance?

Comprehensive General Liability Insurance Protects Your Business From Common Liabilities.

Your business faces liabilities every day. The only way to protect your assets is to carry adequate business liability insurance. A Comprehensive General Liability (CGL) insurance policy is the first line of defense against many common claims.

Comprehensive Liability insurance covers claims of bodily injury or other physical injury or property damage. It is frequently offered in a package with Property insurance to protect your business against incidents that may occur on your premises or at other covered locations where you normally conduct business. Comprehensive General Liability enables your business to continue operations while it faces real or fraudulent claims of certain types of negligence or wrongdoing.

Comprehensive General Liability - The Most Basic Form of Business Insurance

If you have only one form of business insurance, it is most likely Comprehensive General Liability. CGL policies cover claims in four basic categories of business liability:

  • Advertising Injury
  • Bodily Injury
  • Personal Injury (including slander or libel)
  • Property Damage

In addition to covering the claims listed above, Comprehensive General Liability policies also cover the cost to defend or settle claims - even if the claims are fraudulent.

Business Liability insurance protects your business against significant financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverages may not be available on all policies or in all states.)

  • Automatic Additional Insured.Coverage is automatically provided when required in a written contract, agreement or permit.
  • Defense Costs. Pays legal expenses for certain liability claims brought against your business regardless of who's at fault.
  • Employment Practices Liability.Covers claims, including legal defense costs, for certain employment-related lawsuits brought against you by your employees or job applicants ($5,000 limit where available).
  • Medical Expenses. Pays the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.
  • Personal and Advertising Injury.Covers you for certain offenses you or your employees commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
  • Premises and Operations Liability.Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business' operations.
  • Tenant's Liability.Protects your business against claims of damage due to fire or other covered losses caused by you to premises that you rent.

Note: This summary outlines in general terms the coverages afforded under some policies. Examine the policy carefully for any exclusions, limitations, or any other terms or conditions that may specifically affect coverage. The terms and conditions of the policy prevail.

Why Do I Need Business Liability / Comprehensive General Liability Insurance?

Business Liability Insurance Keeps You In Business.   Every business benefits from adequate Comprehensive General Liability coverage. CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client's site.

Comprehensive General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another's property, reputation or health, your business can keep its assets if it is adequately insured.

Comprehensive General Liability Only Protects Against Some Business Liabilities.

Even as a BOP (Business Owner's Package), where CGL insurance is combined with Property insurance at very reasonable rates, Comprehensive Liability insurance does not protect your business against every liability. If you or your employees make professional judgments and recommendations in the course of your business, ask your agent or broker about a Professional Liability policy in addition to a CGL policy.

Professional Liability insurance (also known as Errors and Omissions, or E&O coverage) is a separate type of insurance that protects your business against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services. Professional Liability insurance is another important type of coverage to protect your business from potentially catastrophic claims.

General Liability and Property Package

General Liability and Property Package coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location. Some client contracts also refer to these policies as Comprehensive Commercial Liability.

Typically offered as a general liability and property package policy, coverage is also provided for theft or destruction of your company's computer hardware and software and other assets (see property coverage) such as office furnishings and equipment up to a specified amount.

General liability coverage may be described in your contract in this way:"Supplier will maintain at its expense Comprehensive General Liability Insurance. Comprehensive General Liability Insurance policy limits shall be not less than a Combined Single Limit for Bodily Injury, Property Damage, and Personal Injury Liability of RM1,000,000 per occurrence and RM2,000,000 aggregate."

Apakah Liabiliti Perniagaan/ Komprehensif Ketua Insurans Liabiliti ?

Insurans Liabiliti Komprehensif Melindungi Perniagaan Anda Dari Liabiliti am.

Perniagaan anda menghadapi liabiliti setiap hari. Satu-satunya cara untuk melindungi aset anda adalah untuk menjalankan insurans liabiliti perniagaan yang mencukupi. Satu Liabiliti Am Komprehensif ( CGL ) Polisi insurans adalah baris pertama pertahanan terhadap banyak tuntutan yang sama.

Insurans Liabiliti Am Komprehensif meliputi tuntutan kecederaan anggota badan atau lain-lain kecederaan fizikal atau kerosakan harta benda. Ia sering ditawarkan dalam pakej dengan insurans properti untuk melindungi perniagaan anda terhadap insiden yang mungkin berlaku di premis anda atau di lokasi lain yang dilindungi di mana anda biasanya menjalankan perniagaan. Liabiliti Am Komprehensif membolehkan perniagaan anda untuk meneruskan operasi semasa ia menghadapi tuntutan sebenar atau penipuan beberapa jenis kecuaian atau salah laku .

Insuran Komprehensif Liabiliti Am - Asas Kebanyakan Insurans Perniagaan 

Jika anda hanya mempunyai satu bentuk insurans perniagaan, adalah kemungkinan besar Insuran Liabiliti Am Komprehensif. Dasar CGL meliputi tuntutan dalam empat kategori asas liabiliti perniagaan:
  • Kecederaan Pengiklanan
  • Kecederaan atas Tubuh/Badan
  • Kecederaan peribadi (termasuk fitnah atau libel )
  • Kerosakan Harta
Selain meliputi tuntutan yang disenaraikan di atas, dasar Liabiliti Am Komprehensif juga menampung kos untuk membela diri atau menyelesaikan tuntutan - walaupun tuntutan penipuan.

Insurans Liabiliti Perniagaan melindungi perniagaan anda daripada kerugian kewangan yang ketara yang timbul daripada tuntutan kecederaan atau kerosakan yang disebabkan kepada orang lain dengan anda atau pekerja anda. (Beberapa liputan tidak mungkin terdapat pada semua polisi atau di semua negeri.)

Tambahan pihak diinsurankan secara automatik. 
Perlindungan disediakan apabila diperlukan dalam kontrak, perjanjian atau permit bertulis.

Kos pertahanan.
Membayar perbelanjaan undang-undang bagi tuntutan liabiliti tertentu dibawa terhadap perniagaan anda tidak kira siapa yang bersalah.

Amalan Pekerjaan. Melindungi tuntutan, termasuk kos pembelaan yang sah , untuk tindakan undang-undang yang berkaitan dengan pekerjaan tertentu yang dilakukan terhadap anda oleh pekerja anda atau pemohon kerja (RM5,000 had jika ada)

Perbelanjaan Perubatan.
Membayar kos perubatan yang dikenakan jika seseorang itu cedera dan memerlukan rawatan perubatan akibat kemalangan di premis anda .

Kecederaan Peribadi dan Pengiklanan
.Covers anda bagi kesalahan tertentu anda atau pekerja anda melakukan dalam perjalanan perniagaan anda, seperti libel, fitnah , merendah , atau pelanggaran hak cipta dalam iklan anda.

Liputan Premis dan Operasi Liability. 
Disediakan bagi kecederaan tubuh badan dan kerosakan harta benda yang dialami oleh orang lain di premis anda atau akibat daripada operasi perniagaan anda .

Liabiliti Penyewa Premise.
Melindungi penyewa perniagaan anda terhadap tuntutan daripada kerosakan yang disebabkan oleh kebakaran atau kerugian yang dilindungi lain yang disebabkan oleh anda ke premis yang anda sewa.

Nota : Ringkasan ini menggariskan secara umum liputan diberikan di bawah beberapa polisi insuran. Periksa polisi dengan teliti bagi apa-apa pengecualian, had , atau mana-mana syarat- syarat yang khusus boleh menjejaskan perlindungan . Terma-terma dan syarat polisi yang digunakan.

Kenapa Kamu Perlu Liabiliti Perniagaan / Insurans Liabiliti Am Komprehensif?

Perniagaan Insurans Liabiliti Memastikan Anda Dalam Perniagaan . 
Setiap faedah perniagaan daripada mencukupi liputan Liabiliti Am Komprehensif. Insurans CGL melindungi anda jika pelanggan yang cedera di tempat perniagaan anda . Ia juga akan meliputi kerosakan atau kecederaan yang disebabkan oleh pekerja anda di tapak pelanggan.

Liabiliti Am Komprehensif melindungi perniagaan terhadap jenis tuntutan. Walaupun syarikat anda adalah cuai atau atas kerosakan, kecederaan atau kerugian harta kepada orang lain, reputasi atau kesihatan, perniagaan anda boleh menyimpan aset jika ia diinsuranskan secukupnya.

Liabiliti Am Komprehensif Hanya Melindungi Terhadap Beberapa Liabiliti perniagaan.

Walaupun sebagai BOP (Pakej Pemilik Perniagaan ) , di mana insurans CGL digabungkan dengan insurans hartanah pada kadar yang sangat berpatutan , insurans Liabiliti Komprehensif tidak melindungi perniagaan anda terhadap setiap liabiliti. Jika anda atau pekerja anda membuat pertimbangan profesional dan cadangan dalam perjalanan perniagaan anda, bertanya kepada ejen atau broker anda tentang polisi Liabiliti Profesional sebagai tambahan kepada dasar CGL .

Insurans Liabiliti Profesional ( juga dikenali sebagai Kesilapan dan Ketinggalan , atau Perlindungan E & O ) adalah jenis yang berasingan insurans yang melindungi perniagaan anda terhadap kerugian daripada tuntutan yang didakwa bertindak cuai, kesilapan atau ketinggalan dalam pelaksanaan perkhidmatan profesional anda. Insurans Liabiliti Profesional adalah satu lagi jenis yang penting dalam perlindungan untuk melindungi perniagaan anda dari tuntutan berpotensi bencana.

Liabiliti Am dan Pakej Perlindungan Perniagaan
Liputan Liabiliti Am dan Pakej Perniagaan adalah jenis  insurans komersial yang paling asas dan adalah terhad kepada tuntutan liabiliti kecederaan tubuh badan atau kerosakan harta benda. Perlindungan diberikan untuk kemalangan di premis anda atau di lokasi pelanggan anda. Beberapa kontrak pelanggan juga merujuk kepada polisi-polisi ini sebagai Liabiliti Perdagangan Komprehensif.

Biasanya ditawarkan sebagai liabiliti umum dan dasar pakej harta , perlindungan juga disediakan bagi kecurian atau kemusnahan perkakasan komputer syarikat anda dan perisian dan lain-lain aset (lihat liputan harta) seperti hiasan pejabat dan peralatan sehingga jumlah yang ditetapkan.

Perlindungan Liabiliti Am boleh dinyatakan di dalam kontrak anda dengan cara ini: " Pembekal akan mengekalkan di atas pembiayaan Kumpulan Insurans Liabiliti Am Komprehensif had dasar Insurans Liabiliti Komprehensif hendaklah tidak kurang daripada Had Gabungan Tunggal untuk Kecederaan Tubuh/Badan , Kerosakan Hartanah, dan Kecederaan Peribadi. liabiliti sebanyak RM1, 000,000 setiap kejadian dan RM2, 000,000 agregate. "

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