The CGL policy is an ISO form, widely used to provide commercial enterprises with premises and operations liability coverage, products and completed operations insurance and personal injury coverage. Premises medical payments coverage is often included as well. Under a Public Liability the indemnity provided is for a claim due to legal liability arising out of accident occurring in the insured premises arising out of injury or damage. In case of a product liability policy the indemnity is for claims due to legal liability arising out of accidents arising out of defects in products specified. In contrast, the operative clause of CGL cover for legal liability to pay damages because of bodily injury or property damages. There are no limitations for cover in terms of insured premises or products specified as long as the occurrence and claims are in coverage territory specified, thereby providing a wider covers. CGL also provides cover for supplemental payments, medical expenses and fire damages. Cove rage is restricted to cover only third party liabilities.