--- title: CGL Insurance Malaysia | Cover Buddies description: "Comprehensive General Liability (CGL) insurance in Malaysia: cover for third-party injury, property damage and advertising claims. Get a free quote." image: https://www.coverbuddies.com/hs-fs/hubfs/Cover%20Buddies%20CGL%201.png --- [![Cover Buddies Imaginate Email Header](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20Imaginate%20Email%20Header.png)](https://www.coverbuddies.com?hsLang=en) - [ABOUT](https://www.coverbuddies.com/about-cover-buddies?hsLang=en) - SOLUTIONS - [Commercial Insurance](https://www.coverbuddies.com/commercial-insurance?hsLang=en) - [Consumer Insurance](https://www.coverbuddies.com/consumer-insurance?hsLang=en) - [Find Me A Better Deal](https://www.coverbuddies.com/find-me-a-better-deal?hsLang=en) - [KNOWLEDGE HUB](https://www.coverbuddies.com/en/knowledge-hub?hsLang=en) - CONTACT - [Send Enquiry](https://www.coverbuddies.com/contact-us?hsLang=en) - [Request A Call](https://www.coverbuddies.com/request-a-call?hsLang=en) - [WhatsApp Us](https://wa.me/message/RCLFWAZGWXTKC1) - [Newsletter Sign Up](https://www.coverbuddies.com/newsletter/subscribe?hsLang=en) [WHATSAPP US](https://wa.me/message/RCLFWAZGWXTKC1) [DOWNLOAD OUR ESSENTIAL INSURANCE GUIDE HERE](https://www.coverbuddies.com/essential-guide-download?hsLang=en) # Comprehensive General Liability (CGL) Insurance in Malaysia Also known as commercial general liability elsewhere, CGL protects your business from claims of third-party property damage, bodily injury, and personal or advertising injury arising from your premises, products or services. ![Workers discussing safety on a job site](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20CGL%201.png)     [GET A CGL QUOTE](https://www.coverbuddies.com/request-information-commercial?hsLang=en) ## What CGL insurance covers Comprehensive General Liability (CGL) insurance protects your business when a third party makes a claim against it. A third party is anyone who is not your employee, such as a customer, visitor, supplier, contractor or member of the public. A CGL policy typically responds to four types of claim: - **Third-party bodily injury:** medical expenses, loss of income and compensation if someone is hurt because of your premises, operations, products or services. - **Third-party property damage:** repair or replacement of other people's property that your business damages. - **Personal and advertising injury:** claims such as libel, slander, copyright infringement or misuse of advertising ideas, which can arise from your marketing, website or social media posts. - **Legal defence costs:** lawyers' fees and court costs for covered claims, up to the policy limit. Exact wording differs between policies, so the schedule and endorsements on your own policy decide what is covered. ## Examples of claims it is designed for These are illustrations, not real client cases: - A visitor slips on a wet floor in your showroom and needs medical treatment. - A contractor's team accidentally damages a client's equipment while working at the client's site. - A product you sell injures a customer, or damages their property. - A competitor claims your advertisement copied their copyrighted material. ## Who typically needs it Businesses of all sizes that deal with customers, clients or the public, including retailers, restaurants, offices, contractors, manufacturers and wholesalers, and non-profits. CGL is also often a contract requirement. Regional clients, landlords, lenders and tender documents (the oil and gas industry is a common example) frequently ask for proof of cover, sometimes at a minimum limit. ## CGL compared with other cover - **Public liability:** covers third-party injury and property damage. CGL is broader because it also covers personal and advertising injury and can include product liability. If you only need the basics, see [public liability insurance in Malaysia](https://www.coverbuddies.com/public-liability-insurance-malaysia?hsLang=en). - **Professional indemnity:** CGL does not cover errors or negligent advice in professional services. That needs [professional indemnity insurance](https://www.coverbuddies.com/professional-indemnity-insurance-malaysia?hsLang=en). - **Workmen's compensation:** CGL does not cover injuries to your own employees. - **Fire and property cover:** CGL does not cover damage to your own premises or stock. See [fire, burglary and all-risk insurance](https://www.coverbuddies.com/fire-insurance-malaysia?hsLang=en). - **Engineering insurance:** CGL does not cover damage to the works, materials or equipment on a construction or installation project. That needs [engineering insurance, such as contractors all risk (CAR) or erection all risk (EAR)](https://www.coverbuddies.com/engineering-insurance-malaysia?hsLang=en). - **Cyber:** CGL does not cover data breaches or cyber attacks. See [cyber insurance in Malaysia](https://www.coverbuddies.com/cyber-insurance-malaysia?hsLang=en). Not sure which of these your business needs? Our [business insurance in Malaysia](https://www.coverbuddies.com/commercial-insurance?hsLang=en) overview explains each one. ## What insurers look at Insurers generally consider your type of business and operations, your size and turnover, the limit of liability you want, your claims history, and any limits your contracts require. CGL is a non-standard product, so not every insurer will accept every risk, especially at high limits. Comparing options before you buy matters. ## How Cover Buddies helps We are an insurance broker. We compare options and set up the right policy for your business, so you deal with one team instead of several insurers. To get a quote, it helps to have: - What your business does, and where it operates - Your approximate annual turnover - The limit of liability you want, or the minimum your contract requires - Whether you sell products, or do work at client sites - Any past claims ## Common questions ### Is CGL the same as public liability? They overlap, but CGL is broader. It also covers personal and advertising injury, and can include product liability, alongside property damage and bodily injury. ### Is CGL required by law? Not by law, but it is often a condition set by clients, landlords or lenders. ### Does CGL cover the products I sell? It can, because CGL can include a product liability component. Whether yours does depends on the policy. Read our guide to [product liability insurance](https://www.coverbuddies.com/en/knowledge-hub/product-liability-insurance-explained?hsLang=en) to understand the difference. ### Does CGL cover my subcontractors? It depends on the wording and endorsements. See [Does CGL Insurance Cover a Contractor's Subcontractors?](https://www.coverbuddies.com/en/knowledge-hub/does-cgl-insurance-cover-a-contractors-subcontractors?hsLang=en) ### Can the policy be customised? Yes. Limits and endorsements can be tailored to your industry and risks. Read our full guide: [What is Comprehensive General Liability (CGL) Insurance?](https://www.coverbuddies.com/en/knowledge-hub/what-is-comprehensive-general-liability-cgl-insurance?hsLang=en) Related reading: [Does CGL Insurance Cover a Contractor's Subcontractors?](https://www.coverbuddies.com/en/knowledge-hub/does-cgl-insurance-cover-a-contractors-subcontractors?hsLang=en) | [What's the Difference Between All-Risk Insurance and CGL?](https://www.coverbuddies.com/en/knowledge-hub/whats-the-difference-between-all-risk-insurance-and-comprehensive-general-liability?hsLang=en) [Get a CGL quote](https://www.coverbuddies.com/request-information-commercial?hsLang=en) | [WhatsApp us](https://wa.me/message/RCLFWAZGWXTKC1) | [Request a call](https://www.coverbuddies.com/request-a-call?hsLang=en) LOOKING FOR CUSTOMISED SOLUTIONS? ## Professional Agency Support Looking for customised solutions and a professional agency to support your requirements? Let's get you started today! [WHATSAPP US](https://wa.me/message/RCLFWAZGWXTKC1) ### Making It Easier For You Looking for payment options that work better for you? No worries, we provide more options. ![Cover Buddies VS](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20VS.png) ![Cover Buddies DN](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20DN.png) ![Cover Buddies MST](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20MST.png) ![Cover Buddies FX](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20FX.png) ![Cover Buddies WL](https://www.coverbuddies.com/hubfs/Cover%20Buddies%20WL.png) ## Let's Find You A Better Deal Today Are you looking for the best insurance deal? Let us find you a great plan! [LET'S DO THIS](https://www.coverbuddies.com/contact-us?hsLang=en) #### **Recent Blog Posts** 2 Min Read ### [What Does Public Liability Insurance Cover? 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