Is tenant's legal liability coverage the same as Commercial general liability insurance?
Totally seperate policies, tenant legal liability can be added to bops, general liability can be found within a bop policy, but they are different coverages. Work with your broker to understand what insurance coverages your company needs and why.
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
General Liability Insurance is just a form of Liability in the commercial sector. There is a difference in coverages offered in Personal Lines as opposed to commercial or business lines. A broader scope of coverage is needed if you are involved in a commercial (business) venture.
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.
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. .
The commercial general liability policy provides coverage for liability not contents. If you only have the CGL then there is no contents coverage. Commercial policies are generally put together by adding different policies as needed for particular coverages. There are many different commercial policies that you can combine to become your complete commercial insurance coverage. Discounts are given for combining the policies. Some of the commercial policies available are commercial general liability, commercial auto, commercial… Read More
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
"Commercial General Liability" is the appropriate coverage policy type for an HVAC service technician or company.
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… Read More
A professional insurance agent is qualified to help you determine what limit you need. Excess liability or umbrella coverage can provide high limits at a price that is substantially lower than your general liablity coverage. You should consider buying this coverage to increase your coverage limits.
Commercial Auto General Liability If you are handling elders or childern there are additional coverage concerns Work comp if you have drivers
Yes, You can add non-owned liability to you commercial auto and your commercial general liability policy. Some companies may not offer the coverage, but most do. If you need Commercial insurance contact any broker/agent, or contact me in Texas at 866.358.0480.
You are starting a residential cleaning business Should you get general liability insurance or professional liability insurance?
You need a commercial general liability policy.
Contact a licensed commercial insurance agent in your area. It will be able to assist you if it do not sell the particular coverage you need by referring you to another broker. Do a search for general liability insurance for your state and hundreds of agents will show up. Make sure you use a contractor insurance specialist however.
All the major insurance companies offer general liability insurance for commercial workplaces. Some of these are Nationwide, Progressive and Allstate.
Comprehensive general liability insurance covers businesses against many liability exposures of a business. Comprehensive general liability insurance coverage includes completed operations, elevators, independent contractors, and more.
The amount of coverage and the specifics of coverage will vary from policy to policy. In general liability insurance will cover damages to individuals or entities other than the insured individual. For example, in auto insurance liability insurance will provide for individuals injured in an accident excluding the policy holder.
This depends on a number of things. It's hard to say without knowing what kind of work you are sub-contracting. First determine if you need Professional Liability coverage Or Commercial Liability Coverage. They are very different products. Most General Contractors do require the subs to carry insurance. Otherwise the General Contractor will have to pay much more for insurance coverage that effectively covers his or her own activities as well as those of the sub-contractors… Read More
Commercial General Liability Insurance, otherwise known as CGL provides the coverage required for contractors in the construction trades
No, Your general liability insurance covers accidents on the work site. Commercial Auto Insurance would cover the work related auto accident of an employee. If the employee was injured while on the job, Your workers comepensation coverage would also apply.
Does a commercial general liability policy also provide excess vehicular liability coverage beyond the coverage in the driver's separate mva policy?
No. A commercial liability policy specifically excludes liability arising out of the ownership, maintenance or use of a motor vehicle.
An employer's non-owner is usually an endorsement to a commercial auto or commercial general liability policy that is actually called hired and non-owned coverage. I always recommend this endorsement to my commercial clients because it is very inexpensive and provides coverage to the employer in cases where an employer has to drive to the bank or post office or similar errands. If an accident occurs the endorsement provides coverage for the employer only. It does… Read More
The Highpoint Insurance group offers commercial insurance. Their specific offers are Commercial Property, General Liability, Workers Comp, Commercial Auto, and Management Liability.
Why are you advertising AIG insurance company as THE provider of non-owner auto liability insurance when the do NOT sell such coverage?
AIG, like most other companies, will only sell this coverage in conjunction with either a general liablity policy or a commercial auto policy. It is not available as a stand-alone coverage.
You need commercial General Liability Insurance
General Liability Insurance is what is needed for the Class Facility or Premises location where the classes are held. General Liability Insurance provides coverage for slip and fall and other premise related claims. Professional Liability Insurance should be obtained for the Instructors. Professional Liability provides coverage for claims related to malpractice and competency of the professional instructor. Answer schools
I think you might be confusing terms. Marine liability can be written to cover the liability from marine operations like operating cargo ships, etc. There is also hull liability (property for the marine vessels). General liability is a broader more expansive term and the policies can be written to include or exclude tons of different types of coverages, but you won't find liability coverage for marine vessels inside general liability insurance. Work with a broker… Read More
Contractors Liability Insurance is actually a form of Commercial General Liability (CGL)insurance tailored for the construction contractors market. CGL provides insurance for your company in the event you cause property damage and/or bodily injury to a third party. (i.e., your customer or an innocent third party) CGL comes in different forms with different coverage It is essential to match yours coverage needs with your work risk exposure. A good insurance professional can help you with… Read More
A Waiver of Subrogation clause on a commercial certificate of insurance, with respect to General Liability coverage waives the insurance company's right to sue the other party's insurance company to recover any damages and/or costs related to a claim.
Commercial General Liability Insurance.
A Professional liability insurance Policy, as well as a contractors General Liability Insurance policy will provide coverage for the cost of legal defense.
The term 'excess' insurance is usually for liability coverage. An excess liability policy is also commonly referred to as an 'umbrella' policy because it offers additional coverage over other liability coverages. In the case of a subcontractors insurance, it would be a policy which would extend higher limits than the base policy on general liability and auto liability.
For commercial insurance, the ISO GL form excludes liability from the use, ownership, etc. of aircraft. You would need to buy separate coverage from an insurer that sells aircraft insurance. Many insurers use this form as-is, or stick very close to it in their own forms.
The insurer's general undertaking in most liability policies is to pay those sums that the insured becomes legally liable to pay as damages because of bodily injury or property damage to which the insurance applies. The insurer also undertakes to defend the insured against any suit seeking those damages for bodily injury or property damage to which the insurance applies (which means that the insurer hires an attorney and pays related attorney's fees and court… Read More
General liability insurance does not provide property coverage, except for 3rd party claims alleging property damage due to the insureds' negligence.
It depends on how much coverage you need, what kind of liability (General Liability? Employer's Liability? Auto Liability? Professional Liability?...) & what deductibles, if any, your claims experience, your work experience, who the insurance company is and the way their coverage forms read, their overall claims experience for companies like yours, and where you are located & operate. Your insurance agent can help you with specific quotes. Please note that in general, insurance is always… Read More
Yes, garagekeeprs is part of the typical commercial insurance policy package, along with business auto general liability and property coverage, among others. Garagekeeps covers the commercial exposure for vehicles left in the insured's possession (which would be excluded under the general liability policy's auto exclusion) and usually has both comprehensive and collsion elements. For example, a vehicle left at a body shop or for an oil change.
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)
Not unless your customers require it. Residential customers may not. Commercial customers will probably require that you furnish a certificate of insurance issued by your commercial insurance carrier showing what type of coverage you have. Bonding may be a requirement but general liability and workers compensation certainly will.
Mark G. Lichty has written: 'Annotated commercial general liability policy' -- subject(s): Insurance, Liability, Liability Insurance, Policies
There is a national program for piercing insurance (general liability and professional liability) at www.stratusins.com Choose the tattoo & piercing program link.
So does that mean you cannot get an umbrella liability policy without having some primary coverage first? I am a landlord. Let's say I am not concerned about property damage or fire loss, just liability. Is there any type of insurance I can buy just for liability? _____________________________________________________________________________________________ In answer to your question, by its very nature, there has to be underlying coverage in order to have an unbrella policy. Otherwise, there is nothing for… Read More
The cost of general liability depends on. 1) The type of contracting work you plan to do (Commercial, Residential, Demolion etc). 2) The amount of work you plan to perform in a year. 3) Your expected payroll and/or subcontractor expenses. 4) The amount of coverage you want. (Do you want $100,000, $500,000 or $2,000,000 in coverage) A $ 500,000 policy can cost one contractor $5,000 and another $8,000. I recommend getting a few quotes from… Read More
Stirling Insurance Group Ltd in Calgary, Alberta & SIG Insurance Ltd in British Columbia offers Professional & General Liability Coverage for Professional Coaches and organizations.
Garage Keepers Liability The type of coverage you need is a "Garage Keepers Liability" Insurance Policy. This Commercial Lines Policy is the appropriate insurance coverage for an Auto Repair Business and is widely available through most commercial underwriters. Just contact a local agent that offers commercial insurance in your area. Auto repair business It's important to make certain your policy covers: Products/Completed Operations Insurance for all completed work you perform on vehicles. Personal and Advertising… Read More
Commercial auto insurance General liability insurance Highly recommend you incorporate to remove the liability from your personal assets work comp if you hire drivers
Commercial, general liability, and workers compensation.
An insured contractor is a contractor who carries a Commercial General Liability Insurance Policy.
Professional liability insurance will protect you against lawsuits arising from your actual professional services rendered. Suppose you have a consulting business, and you are sued for providing incorrect information, that would be a professional liability. Insurance agents and accountants need a similar coverage called Errors and Omissions. Doctors and Lawyers need Malpractice... General liability pertains more to premises coverage for your place of business, to protect you against situations like a slip and fall. General… Read More
What kind of insurance do you need to start a rental company such as rent a center where you provide equipment to the public to rent for temporary use?
You definitely need Commercial General Liability, Commercial Property coverage for equipment rented & leased to others and wroker's compensation if you have even (1) employee
You need General Liability Insurance. Many isurers have programs tailored for day care canters you can obtain from any authorized insurer in your state.