Liability Insurance

General Liability Insurance (GLI)

Protect Your Business Against Third-Party Claims With Confidence. Get comprehensive General Liability Insurance solutions designed to protect your business from legal liabilities arising from bodily injury, property damage, and third-party claims during daily operations.

Introduction Section

Smart Protection For Everyday Business Risks

General Liability Insurance (GLI) provides financial protection to businesses against claims made by third parties for bodily injury, property damage, or personal injury caused during business operations.

No matter the size of your business, accidents can happen unexpectedly. A customer may slip and fall, property may be damaged during work, or legal claims may arise from your operations.

General Liability Insurance helps cover legal defense costs, compensation payments, and settlement expenses, protecting your business from significant financial losses.

It allows business owners to operate confidently knowing they have protection against unforeseen third-party liabilities.

Instant Guidance Expert advice on liability risks and policy selection.
Claim Support Dedicated assistance throughout the claim process.
Flexible Covers Solutions for manufacturers, traders, contractors, offices, and service businesses.
Types Of Insurance Plans

Find The Right Liability Protection

Different liability plans are available depending on your business activities and risk exposure.

Public Liability icon
Public Liability Insurance

Protection Against Public Claims

Coverage against bodily injury or property damage suffered by customers, visitors, and the general public.

Product Liability icon
Product Liability Insurance

Product-Related Protection

Covers liabilities arising from defects in products sold, supplied, or manufactured by the insured business.

Premises Liability icon
Premises Liability Insurance

Property-Based Protection

Protects businesses against accidents occurring on their premises.

Operational Liability icon
Operational Liability Insurance

Daily Business Protection

Coverage for liabilities arising during routine business operations.

Documents Required

Keep These Ready Before You Apply

Having the right documents in hand makes your liability insurance purchase or claim process faster and hassle-free.

01
Vehicle RC

Business Registration Documents

02
Previous policy

GST Registration Certificate

03
ID proof

PAN Card Of Business Entity

04
ID proof

Business Activity Details

05
ID proof

Previous Insurance Policy (If Any)

06
ID proof

Authorized Signatory ID Proof

What's Covered

What General Liability Insurance Usually Covers

  • Third-Party Injury Coverage: customer injuries, visitor accidents, medical expenses, legal compensation
  • Third-Party Property Damage: damage to customer property, accidental damage during operations, repair and replacement costs
  • Legal Liability Coverage: legal defense costs, court fees, settlement expenses, compensation awards
What's Not Covered

Common Exclusions

  • Intentional acts
  • Employee injuries (covered under Employee Compensation policies)
  • Professional negligence
  • Contractual liabilities
  • Pollution liabilities unless specifically covered
  • War and nuclear risks
  • Criminal acts
  • Known claims before policy inception
Enhance Your Protection

Add-Ons That Make Coverage Stronger

Product Liability Cover

Protects your business against legal claims arising from bodily injury or property damage caused by products manufactured, supplied, or sold by your business.

Tenant's Liability Cover

Provides coverage for damage caused to rented premises occupied by your business.

Fire & Explosion Liability Cover

Protects against third-party claims arising from fire, explosion, or related incidents occurring at your premises.

Sudden & Accidental Pollution Cover

Covers legal liabilities resulting from sudden and unforeseen pollution incidents caused by business operations.

Lift & Escalator Liability Cover

Provides protection against third-party injury or property damage caused by lifts, elevators, or escalators installed at the insured premises.

Food & Beverage Liability Cover

Designed for restaurants, hotels, and food businesses, covering liabilities arising from food poisoning or contaminated food products.

Advertising Liability Cover

Protects against claims related to advertising activities, including copyright infringement, defamation, or misleading advertisements.

Legal Defense Cost Extension

Provides additional coverage for legal fees, court expenses, and defense costs incurred while handling third-party claims.

Claim Process

How To File A Claim

A quick and efficient claim process helps businesses manage legal liabilities and financial losses with minimal disruption.

1

Inform Claim

Notify Times Care immediately after receiving notice of an incident, legal claim, or third-party complaint.

2

Incident Assessment

Gather incident details, witness statements, photographs, and supporting evidence related to the claim.

3

Submit Documents

We assist in collecting and submitting claim forms, legal notices, and supporting documentation.

4

Investigation & Review

The insurer reviews policy coverage, incident circumstances, and legal liability exposure.

5

Settlement

Approved compensation, legal defense costs, or settlement amounts are paid according to policy terms and conditions.

Why Choose Times Care
Why Choose Times Care

Reliable Support Beyond Just Policy Purchase

✔ Comprehensive liability protection

✔ Affordable premium options

✔ Expert legal claim support

✔ Quick policy issuance

✔ Dedicated customer assistance

Have Any Questions?

Get quick answers to common liability insurance questions about coverage, claims, and who should purchase GLI.

Contact us
What is General Liability Insurance?

It protects businesses against third-party bodily injury and property damage claims.

Is GLI mandatory?

It may not be legally mandatory for all businesses but is highly recommended.

Does it cover legal expenses?

Yes, legal defense and settlement costs are generally covered.

Who should purchase GLI?

Manufacturers, traders, retailers, contractors, offices, hotels, and service providers.

Protect Your Business From Unexpected Liability Risks

Speak with Times Care to find the right General Liability Insurance solution for your business.