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
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
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.
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.
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.
A Professional liability insurance Policy, as well as a contractors General Liability Insurance policy will provide coverage for the cost of legal defense.
General liability insurance does not provide property coverage, except for 3rd party claims alleging property damage due to the insureds' negligence.
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.
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.
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.
There is no difference.
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.
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.
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.
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.
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.
There is a national program for piercing insurance (general liability and professional liability) at www.stratusins.com Choose the tattoo & piercing program link.
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.
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.
"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.
"Commercial General Liability" is the appropriate coverage policy type for an HVAC service technician or company.
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.
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
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