It can be, but it just depends on the extent of coverage you purchase. Commercial Auto is not automatically included with Commercial General Liability.
If you purchase the Commercial Auto coverage along with the Commercial Liability then you will have the coverage. If you purchase only the commercial General Liability then you won't have coverage for commercial auto.
It is a good idea to consider purchasing general liability insurance for your business. General liability insurance can protect your business and give you peace of mind.
Commercial general liability is an insurance policy that protects a business against lawsuits that pertain to bodily injury and property damage that may have come from the business.
You need a commercial general liability policy.
Commercial General Liability Insurance.
No, there is a business exclusion under the liability section. You personal homeowners insurance will not cover your Commercial activities. You will need a Commercial General Liability policy to cover your business operations.
Commercial, general liability, and workers compensation.
There is no such thing as a "comprehensive" general liability policy. It is "commercial" to differentiate it from personal-lines coverage. It is commercial general liability policy, or CGL; a generally standard group of coverages, exclusions, limits. This is different than a manafest policy where commercial coverages are added in a customized fashion. A comprehensive policy would be one where a business owner (BOP) might purchase with a pre-set group of coverages, exclusions, and limits. Thanks Actually, the term "Comprehensive General Liability" was replaced in 1986 with the term "Commercial General Liability." They are essentially the same policies.
A business name is not required to obtain general liability insurance for your business. It is recommended that you incorporate your business to limit your liability.
"General insurance" is the umbrella term used by the insurance industry to describe all policies other than life insurance policies. This includes various types of insurance for individuals as well business policies. The two most common types of general insurance for individuals are automobile insurance and homeowners insurance, both of which can include property and casualty coverage. The two most common types of general insurance available for businesses are commercial auto liability and commercial general liability. Other commercial general insurance products include premise liability, professional liability, product liability and operations liability. An increasingly popular commercial product is business interruption insurance that provides the business owner with income should a disaster fall that is covered by other parts of his or her policy.
Personal liability is just that ! It does not provide for business related activites. If you want to be covered for business related activites you will need to buy a policy that coveres business related activites. If you are engaging in the business of tree trimming for money you need a COMMERCIAL GENERAL LIABILITY.
Depending on the business it may not be legaly required. It is a very good idea though incase you do get sued.
Premises and operations.