CGL (Commercial General Liability) menjamin tanggung jawab hukum tertanggung terhadap cedera badan dan kerusakan properti pihak ketiga yang timbul dari operasi bisnis.
Tiga coverage utama:
- Coverage A — Bodily Injury & Property Damage: Cedera fisik dan kerusakan properti pihak ketiga
- Coverage B — Personal & Advertising Injury: Pencemaran nama baik, pelanggaran privasi
- Coverage C — Medical Payments: Biaya medis tanpa perlu pembuktian liability
Basis: Biasanya occurrence-based (klaim harus disebabkan kejadian SELAMA periode polis).
Struktur CGL:
- Declarations — Data polis, limits, premi
- Coverage A: Bodily Injury & Property Damage Liability
- Coverage B: Personal & Advertising Injury Liability
- Coverage C: Medical Payments
- Supplementary Payments — Defense costs, court costs
- Exclusions
- Conditions
- Definitions
Penjelasan Pasal per Pasal
TEKS ASLI
We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies.
PENJELASAN
Coverage inti CGL — menjamin kerugian pihak ketiga akibat operasi bisnis tertanggung.
Contoh situasi yang dijamin:
- Pengunjung terpeleset di lantai basah toko (bodily injury)
- Kontraktor merusak pipa air tetangga saat renovation (property damage)
- Produk makanan menyebabkan keracunan konsumen (products liability)
Limits:
- Per-occurrence limit: Maksimum per satu kejadian
- General aggregate: Total maksimum selama periode polis
- Products-completed operations aggregate: Terpisah untuk klaim produk
CONTOH KASUS
Restoran → pelanggan makan ayam dan keracunan → 10 orang dirawat di RS → total biaya medis Rp 200 juta + tuntutan hukum Rp 500 juta. CGL Coverage A membayar kedua komponen + biaya pengacara.