General Liability Insurance
Commercial Insurance
Whether it is Comprehensive General Liability or Commercial General Liability or simply, General Liability, the fact is that it describes essentially same protection.
This policy can protect your business against liability claims for bodily injury and property damage arising out of premises, business operations, products, completed operations; and advertising and personal injury liability. The indemnity provided by a liability policy will help your business meet the costs of legal defence and damages awarded if you are found liable. For example, if someone gets hurt at your place of business, or there is property damage or injuries caused by you or your employees.
If you are a commercial tenant, you can rely on General Liability insurance to protect you from any liability as a tenant if you cause damage to the property you rent, such as by fire. General liability can also cover claims of false or misleading advertising, including slander, libel and copyright infringement.
It is also a common practice for clients to require their vendors/contractors to have Comprehensive General Liability insurance before awarding them the contract.
Claim Scenario:
A renovation contractor was engaged for the interior renovation works of a residence. Part of the works involve designing & installing carpentry shelving for storage of AV entertainment system. 2 weeks after the project is completed, the built-in shelves buckled as it could not withstand the weight of the AV system, breaking all the owner’s expensive equipment costing $30,000. The client threatens legal action, alleging that their works damaged his property.
If proven liable, the Commercial General Liability policy will pay for the contractor’s legal defence cost as well as claim settlement.
A construction company will need a largely different CGL policy than a training consultancy just as a renovation contractor needs a different policy than a restaurant.
Because of the wide range of exclusions and policy limits in a commercial general liability policy, give us a call at 6513 6983 or email client.service@allegiance.com.sg to find out exactly the coverage you need.
Our Testimonials
Lydia was instrumental in organizing our policy, demonstrating a comprehensive understanding of the various offerings and how they relate to our business sector. Her persistent dedication to customer service coupled with her client-centered approach is beyond commendable.
Mr Kit Ng
KITA Singapore
Exceptional Insurance Expertise and Customer Service at Allegiance I had the fantastic experience of working with Rick from Allegiance, and I cannot recommend him highly enough. From the very beginning, he demonstrated exceptional patience and attentiveness, taking the time to understand my insurance needs and preferences. His knowledge of the industry is impressive, and he was able to provide clear explanations and guidance throughout the entire process. Since my initial engagement with Rick, I have transferred all of my company insurance policies under his management, and the experience has been nothing short of outstanding. His professionalism and dedication to customer satisfaction make him a trusted advisor in the insurance space. In addition to my own positive experience, I have also recommended Rick to several friends, who have all been equally impressed with his work. His ability to build strong relationships and provide tailored solutions has earned him the loyalty and appreciation of many clients. If you are in need of insurance services, I highly recommend reaching out to Rick at Allegiance. His expertise, commitment, and personable working style will ensure that your insurance needs are met with the utmost care and efficiency.
Mr Ronald Soh
Win-Pro Consultancy Pte Ltd
Mr Fred Han
Yelo Pte Ltd
