- Legal Articles
- Ask Elhais
September 12, 2021|
Commercial general liability (“CGL”) policies are a norm in the UAE. A CGL policy usually provides comprehensive liability coverage by encompassing different liability coverage under the same head, such a property coverage, personal injury coverage, medical coverage etc. A CGL policy thus endeavors to cover the various liabilities arising from operations, premises, products of a business under one policy.
The broadheads covered under a commercial liability policy in the UAE includes:
A key difference between different types of CGL policy is the concept of how claims can be raised. For example, a “claim-based policy” allows for claims to be raised during the policy terms regardless of when the underlying claim event occurred. However, on the other hand, a “occurrence policy” strictly goes by the concept of when the claim event occurred and stipulates to honour the claim only if the underlying claim event occurred during the policy term. It is usually seen that CGL policies in the UAE are mostly occurrence-based policies.
It is important to note that, even though the CGL policy constitutes a very comprehensive policy, it might still not cover all the risks and liabilities connected to a business. It is therefore advisable to conduct a detailed study to ensure that commercial liabilities unique to the business are identified and covered. Suppose the standard CGL policy is seen to lack in its liability coverage. In that case, ‘excess liability coverage’ can be purchased in addition to cover the claims that either exceeds the limit or are not part of the standard CGL policy. For example, a standard CGL policy may exclude from its purview the commercial liability coverage for product recalls or computer-related losses etc. A medical payment coverage may also be added into a CGL policy in order to cover third-party bodily injuries at a higher limit, regardless of the business’s liability or negligence in the incident.
Copyright © of this article is retained by the author and/or other copyright owners. We explicitly grant you permission to download a copy, without any alteration, of this article for personal non-commercial research or study, without prior permission or any charge. This article can be utilized on your website or for marketing, however, we grant you permission to host this article on your website and no other rights. This content should not be altered in any way or sold commercially in any format without prior permission of the copyright holder. During reference of this article, full biographic details entailing the name of the author, his designation, the institute and the publishing date of the article shall be provided.
Your email address will not be published. Required fields are marked *
I owe the success of my case to Dr. Hassan's diligent approach. He remained focused, put me at ease and always went the extra mile. Dr. Hassan tirelessly put my case in the best possible light and I cannot thank him enough. I would highly recommend Dr. Hassan - I am grateful to him from the bottom of my heart.
Dr. Hassan Elhais is among the best legal consultants I have ever worked with. He has an amazing ability to reduce complex issues into a simple concept that non-legal people can understand. He consistently develops innovative litigation strategies that help us to achieve our ultimate legal goals.
...the extraordinary effort that has been exerted by the staff, and we specially thank Dr. Hassan Mohsen Alhais. Wishing your continues success & excellence...
I believe everyone should recognize what a difference Dr. Hassan Elhais work has made to people's lives; and especially to our family's life, because we will remain forever grateful to each and every one of his team.
Dr. Hassan Elhais never fears cases that involve exposure and he always gives me his honest assessment of our chances of success, which is invaluable to me.
He aided us not only in providing legal advice but also in all legal issues that required a long term strategic approach to achieve most favorable and optimum outcomes he provided us with high level of professional service.
Dr. Hassan Elhais is a responsible, reputable counsel who operates to high levels of service.
Dr Hassan Elhais is responsive, thorough and creative with his advice, and is a valued advisor and legal consultant.
Regardless of the complexity of the matter I know Dr. Hassan Elhais will consider not only legal strategy but also business practicalities in providing advice and litigation options.
I recommend Dr. Hassan Elhais to anyone who says 'I'm in legal trouble'. I was extremely satisfied with the high standard of his work. He has always been there when I have needed him and I refer all my clients, family and friends to him/his firm.
Dr. Hassan Elhais was very professional and he listened to my needs. He was very prompt, efficient and always kept me informed. Dr. Hassan Elhais's service was excellent and I would definitely recommend him to friends and colleagues.