Is Your Growth Protected in the Physical World?
CGL isn't just insurance; it's a prerequisite for winning major contracts, operating globally, and insulating your balance sheet from real-world risks.
For Tech Firms, CGL Isn't Just Protection—It's a Prerequisite for Growth.
Your code is covered by E&O, your data by Cyber. CGL protects your business in the physical world where you operate, meet clients, and win deals.
Client Contract Compliance
Win larger deals. Many corporate and international MSAs mandate CGL insurance with limits of $1M or more. It's a non-negotiable requirement to get on their vendor list.
On-Site Operations Risk
Protect your team and your reputation at client locations. CGL covers property damage, like an engineer accidentally damaging a server rack, or bodily injury at a client's office.
Events & Global Conferences
Showcase your innovations worry-free. CGL provides liability cover for your participation in trade shows like NASSCOM, GITEX, or Web Summit.
Lease & Office Agreements
Meet your landlord's requirements. Most Grade-A office parks in India contractually require tenants to hold CGL insurance to cover the premises.
What's Your Real-World Risk Score?
Answer 5 quick questions to get a personalized assessment of your company's CGL exposure.
Your Liability Exposure Score is:
Download Your Full Risk ReportA Smarter Way to Manage Liability.
Our proprietary Liability Resilience Model transforms insurance from a cost center into a strategic asset for growth.
Identify
We go beyond the obvious to uncover the hidden, real-world liability risks in your contracts, operations, and growth plans.
Quantify
Using industry benchmarks and risk analytics, we define the precise financial shield required to protect your balance sheet.
Insulate
We structure and negotiate a best-in-class CGL policy that insulates your business, enabling you to pursue growth with confidence.
Is CGL Redundant? No. It Fills a Critical Gap.
Professional Indemnity (E&O)
Covers financial loss to a client from your professional errors.
Scenario: Your software bug corrupts a client's database, causing them financial loss.
Cyber Insurance
Covers data breaches, privacy violations, and network security failures.
Scenario: Your systems are hacked, and sensitive client data is stolen.
Commercial General Liability (CGL)
Covers bodily injury and property damage to a third party.
Scenario: Your employee visiting a client knocks over and breaks their server.
A Smart Investment in Financial Resilience
Case Study: The ₹75,000 Premium that Saved ₹50 Lakhs.
A mid-sized SaaS company faced a ₹50 Lakh claim after an employee damaged a client's office infrastructure during a system upgrade. Their CGL policy, with an annual premium of ₹75,000, covered the entire legal and settlement cost, preventing a major impact on their P&L and preserving the client relationship.
Industry Benchmarking: What's the Right Coverage?
Not sure what limit to choose? Most B2B tech firms (200-500 employees) with US/EU clients carry a CGL limit of at least $1 Million (approx. ₹8 Crores) to meet contractual demands and adequately cover their global exposure.
Broker's Insight: A Critical Clause to Check
Many standard policies have a 'claims made in India' clause. For a tech exporter, this is a critical flaw. We ensure your policy has true worldwide jurisdiction, meaning a claim filed in a US court is covered.
The Mechanics of Your Protection
A closer look at what a comprehensive CGL policy covers.
This is the core of CGL. It covers your legal liability and defense costs if your business activities, premises, or products cause physical harm to someone or damage their property.
Protects against non-physical injuries, such as claims of libel, slander, copyright infringement, invasion of privacy, or misappropriation of advertising ideas in your marketing communications.
Covers minor medical expenses for a third party injured on your premises, regardless of who was at fault. This goodwill coverage can often prevent small incidents from escalating into major lawsuits.
A standard policy can be enhanced with crucial add-ons like Worldwide Jurisdiction (for global claims), Pollution Liability (for environmental incidents), and Transportation Liability (for goods in transit).
Deepen Your Understanding.
Our comprehensive guide on navigating the insurance requirements of US client contracts. Download for free.
Download the PlaybookEXCLUSIVE GUIDE
The Indian Tech Exporter's Playbook for US Liability Compliance
Common Questions Answered
Premiums are based on several factors, including your industry's risk level, annual turnover, the policy limits (Sum Insured) you choose, your claims history, and the geographical scope of your operations (e.g., including US/EU jurisdiction).
A standard policy may not, which is why a "Worldwide Jurisdiction" extension is critical for tech exporters. This ensures that a claim filed against you in a foreign court (like in the USA or Europe) is covered by your Indian policy.
While there is no general legal mandate for all businesses to have CGL, it is often a contractual requirement for leases, client contracts (especially with large corporates and MNCs), and for participating in events. For certain industries, other specific liability policies might be mandatory.