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It means that whoever states their insurance is Primary, it's really Primary regardless of who is At Fault. For example, the subcontractors insurance is usually primary over the GCs insurance. This means that if the sub has a claim and in all reality it's the GC's fault, but the sub listed their insurance as primary, then the subs insurance is paying first no matter what. Primary means just that, the insurance listed is PRIMARY, regardless of fault. www.mac2insure.com

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โˆ™ 2005-09-15 15:37:30
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Q: What does primary and non contributing really mean in regards to general liability insurance coverage?
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What is the Liability of homeowner acting as General contractor?

Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.


Where do you buy General liability insurance?

General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.


What does comprehensive general liability insurance cover?

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.


What does general liability insurance cover?

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.


How is general liability insurance different from comprehensive general liability insurance?

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.


What is excess insurance mean on an subcontractors insurance?

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.


Are defense expenses paid in a contractors professional liability policy?

A Professional liability insurance Policy, as well as a contractors General Liability Insurance policy will provide coverage for the cost of legal defense.


Does all general liability insurance cover damage at depreciated value?

General liability insurance does not provide property coverage, except for 3rd party claims alleging property damage due to the insureds' negligence.


What type of coverage do you offer for the comprehensive general liability insurance?

To purchase general comprehensive coverage on an auto insurance plan, is a completely different aspect when compared to general liability insurance. The first will cover a certain amount of the inured and fix-it bill, where the latter will only cover the party at fault in the case of an accident. If you would like both of these, you should purchase full coverage for a discounted price.


How does stating Primary and Non-Contributory effect your general liability insurance?

Primary and Non-Contributory Wording means your General Liability policy, or any insurance policy that has this endorsement on it, will pay first in the event of a claim. The Non-Contributory part means that not only will your policy pay first, but it will pay the full amount of the claim until the limits are exhausted without your client contributing to the loss with their own insurance. Not all General Liability policies have this coverage built in and it can be quite expensive to purchase if your policy was issued without it.


Where to get info on general liability insurance?

Any number of automobile insurance companies will have information on policies and procedures for general liability insurance. The term itself refers to an insurance policy holder whom has no coverage for their own mistakes as much as the party at-fault will be covered either way.


What is the difference between general liability insurance and Truckers general liability insurance?

There is no difference.


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 commercial general liability coverage does a homeowners association need?

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.


How much is Liability insurance for a renovation company?

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 based on these kinds of factors so it's hard to give a ballpark estimate for ANY kind of insurance.


How do I get general liability insurance?

Compare general liability insurance quotes from multiple providers. Learn about liability insurance in our free buyers' guides to business insurance.Hiscox specializes in general liability insurance for businesses with 10 employees or less.


Is tenant's legal liability coverage the same as Commercial general liability insurance?

NO 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.


Where can you find good insurance coverage for your Colorado piercing studio?

There is a national program for piercing insurance (general liability and professional liability) at www.stratusins.com Choose the tattoo & piercing program link.


What do I gain by purchasing regular auto insurance rather than discount vehicle insurance ?

In general, you gain more coverage for the required stuff (liability, injury), and coverage for things not covered by discount insurance such as theft and fire.


Where do I find information on and compare rates for comprehensive general liability insurance?

Comprehensive general liability coverage for a small business quotes an be obtained from a local State Farm agent, or quotes can be solicited from the many internet only insurance firms.


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 the right insurance coverage for an HVAC service and maintenance contractor?

"Commercial General Liability" is the appropriate coverage policy type for an HVAC service technician or company.


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.


What public liability is need for fitness classes?

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.Answerschools


Business Liability Insurance ?

form_title=Business Liability Insurance form_header=Protect your business with the right business liability insurance for your needs. What is the annual revenue of your company?=_ Does your company currently have insurance coverage?= () Yes () No What type of business liability insurance do you need? (Check all that apply)= [] General Liability [] Workers Compensation [] Business Owners Policy (BOP) [] Property [] Professional Liability [] Business Travel [] Business Automobile