商业综合责任保险保单（Commercial General Liability简称CGL.doc

commercial general liability (cgl) policy covers a basket of insurance liabilities for bodily injury and property damage as well as personal and advertising injury. generally, an exporter only needs to effect export products liability insurance to satisfy the insurance requirements of an overseas purchaser. commercial general liability insurance (cgl)1. coverage a bodily injury & property damage liabilitythe insurance company shall take the liability of compensation for the bodily injury and property damage to the third party that is legally due to the insured according to the insurance policy. and the insurance company is entitled and obligated to plead against action for damages. however, insurance company has no counterplea obligation against the compensation claim for the bodily injury or property damage beyond the insurance coverage of the cgl policy. in the meantime, the insurance company is entitled to conduct an investigation to any unexpected accident and handle the claim or lawsuit incurred thereby. coverage including but not limited to: premises-operationsindependent contractors liabilitycompleted operationsproducts liabilitycontractual liabilitycross liabilitycar park liability2. coverage b-personal & advertising injury liabilityin case that an insured shall take legal liability for personal and advertising injury to any third party, the insurance company shall honor such a liability according to the policy. the insurance company is entitled and obligated to plead against the action for damages filed by the insured; however, it has no counterplea obligation against the lawsuit for personal and advertising injury beyond the insurance coverage of the policy. the insurance company is entitled to conduct an investigation to the injurious act and handle the claim or lawsuit. 3. coverage c medical payment(1) insurance company shall be liable for compensating the medical expenses of bodily injury resulting from an accident in the following conditions: the accident occurs in the workplace belonging to or leased by the insured; the accident occurs on the road adjacent to the workplace belonging to or leased by the insured; or the accident is caused by the insured s business operational activity. (2) no matter the accident is the insureds fault or not, the insurance company shall be liable for paying the reasonable medical expenses listed below; however, the compensation sum should never exceed the corresponding limit of insurance compensation. first-aid charge paid at the occurrence of accident, necessary charges for medical treatment, surgery, x-ray examination and dental service (inc. dental filling surgery), and necessary expenses for ambulance, hospitalization, professional nursing care and funeral. 4. supplementary payment- coverage a and bwith respect to investigation or conciliation conducted by insurance company, claim to the insured, counterplea taken by insurance company or lawsuit filed to the insured, insurance company shall make the following payment: (1) all the costs incurred to insurance company,(2) in case of an unexpected accident or traffic violation by a motor vehicle which is insured with bodily injury liability and asked for bail money up to $250usd that is beyond the insurance companys obligation to provide,(3) the security deposit for restituting the seized property, which does not exceed the insurance compensation limit clarified in the policy and is beyond the insurance companys obligation to provide,(4) all the reasonable expenses incurred by the insured to assist investigation of claim or lawsuit or counterplea action in response to insurance companys request, including the actual loss of working time incurred thereby, which however shall not exceed $100usd each day,(5) taxes on the insured incurred by lawsuit,(6) if it is the case that the court decision asks the insured to pay the interest of the indemnity starting from the accident occurrence day to the judgment pronouncing day, insurance company shall pay the interest due to its share. however, if it is the case that insurance company proposes to pay a sum up to the insurance compensation limit, the insurance company will not be liable for any interest for the duration starting from the day the proposal is made until the judgment is announced. (7) after the judgment is made and the compensation sum is under the payable insurance compensation limit of the policy, the insurance company shall pay the interest of the judged compensation sum for the period before the insurance c