There are two limits of commercial liability insurance that you need to consider when purchasing a policy. The first is what the policy will pay max for one loss during the policy term. This is called the Occurrence limit. The second is what the policy will pay out max for multiple losses. This is called the Aggregate limit. For example a policy may have a $500,000 occurrence limit with a $1,000,000 aggregate limit.
This would mean that the policy would pay out a max of $500,000 for any one claim during the policy term and they would pay out a max of $1,000,000 total for all claims during the policy period.
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Premises and operations.
Aggregate = per year, which generally is the policy period.
The aggregate limit can be higher than the per occurrence limit of the policy, thus providing additional coverage should multiple claims be filed against the insured.
The name of the actress with red hair in The General Insurance commercial is named Tommy Carl.
Commercial Insurance is for a business. (general liability, worker's comp, etc.) The term "non-commercial" insurance isn't generally used. There is commercial insurance and personal insurance (i.e. homeowners, personal auto)
All the major insurance companies offer general liability insurance for commercial workplaces. Some of these are Nationwide, Progressive and Allstate.
This will vary with the surety company and the state in which you reside. No easy answer.
You need commercial General Liability Insurance
yes
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
this means that the ins co. will cover all the accidents during this policy period
Commercial General Liability Insurance.