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Normally it is not covered by a CGL policy. However some carriers can add this coverage by endorsement. The recomendation would be to buy a stand alone professional policy. they normally provide broader coverage. Review the policy carefully as these can be very complicated and are normally written on claims made basis instead of a occurrence form. Make sure you clearly understand the differences or you could be caught without coverage at some point in time.
What else can I help you with?
You are starting a residential cleaning business Should you get general liability insurance or professional liability insurance?
You need a commercial general liability policy.
Is there a professional liability insurance for a Residential contractor in SC?
What your looking for is Commercial General Liability Insurance for contractors, not professional liability insurance.And Yes. Almost any Commercial lines carrier will provide CGL coverage as well..
what exactly is commercial general liability?
Commercial general liability is a type of insurance that major companies use to insure their businesses. You would need this so if a client got hurt you would be covered for out of pocket expenses.
Does Foreign Commercial General Liability include Foreign Business Auto Liability?
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.
Where in a Commercial General Liability policy with Products and completed operations coverage would a General Contractor be covered for defective workmanship and building code violations?
Defective Workman ship is not covered.
How General Insurance Can Protect You?
"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.
What is public liability insurance and how is it different from general liability insurance?
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.
How much professional liability insurance does a sole proprietor painting contractor need?
A contractor Buys Commercial Liability Insurance in the contractor class, not professional liability insurance. The amount needed is typically determined by the exposures presented or as specified by the employer.
What type of commercial insurance covers an employee causing damage at a 3rd party?
This would be covered under your general liability policy for your business
In the Commercial General liability what liability exposures has its own aggregate that is separate from the general aggregate?
Premises and operations.
Who is a professional when referring to the exclusion under a commercial general liability policy for professional fees?
The "Professional",, would be the person or entity "Insured" under the contract.
Loss of earnings up to what amount is covered by a commercial general liability policy under supplementary payments?
Contact your agent and they will be able to give you exact amount.
