Who this cover is for
Exporters, consumer product manufacturers, pharmaceutical companies, engineering contractors, and multi-location enterprises.
Coverage scope
Policy scope is governed by insurer terms, endorsements, and policy schedules. Common provisions include:
Premises & Operations Liability
Covers third-party injury and property damage claims arising during on-site or off-site business operations.
Products Liability Extension
Protection against consumer bodily injury or property damage caused by manufactured, sold, or distributed products.
Completed Operations Protection
Protects contractors after installation or project hand-over against delayed failures causing harm.
Global Territorial & Jurisdiction Limits
Worldwide coverage options including USA/Canada jurisdiction required by international buyers.
Key limitations and exclusions
Every insurance contract outlines specific conditions, waiting periods, and deductibles to review before policy inception:
Product Recall Expenses
The cost of physically recalling defective merchandise from market shelves requires dedicated Product Recall coverage.
Efficacy / Performance Guarantees
Failure of a product to achieve promised marketing performance without causing physical bodily damage is excluded.
Known Defects Prior to Policy
Claims stemming from known design faults or pre-existing product batches under dispute are not covered.
How Sanghvi Consultancy assists you
With 45+ years of insurance experience in Navrangpura, Ahmedabad, Sanghvi Consultancy provides personal policy guidance:
- Tailoring CGL wording to satisfy stringent Master Services Agreements (MSAs) from US and European buyers.
- Structuring Products Liability endorsements with suitable retroactive dates.
- Coordinating global claims response with international underwriting syndicates.
Frequently asked questions
How does CGL differ from basic Public Liability?
Basic Public Liability covers premises-only incidents in India. CGL is broader, bundling premises liability, products liability, completed operations, and international territorial jurisdiction.
What is a retroactive date in a claims-made policy?
The retroactive date marks the earliest date from which incidents occurring will be covered, provided the claim is formally made during the active policy period.
Discuss your policy with an advisor.
Get clear answers on policy terms, insurer waiting periods, and claim support without aggressive sales calls.