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.
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.
Premises and operations.
You need a commercial general liability policy.
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 property, commercial boiler and machinery, commercial property floaters, and many more to customize the coverages needed.
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.
All the major insurance companies offer general liability insurance for commercial workplaces. Some of these are Nationwide, Progressive and Allstate.
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.
I have commercial general liability in the amount of one millin and one million. I never had to show a driver's license. Why would you have to show a drivers licence when obtaining commercial general liability? (unless you wanted commercial general liability on a vehile, I declined to cover a vehicle). Yes you can, the GL policy covers anthing you may do incorrectly while working, it does not cover you while driving any vehicle.
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
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.
You need commercial General Liability Insurance
The Highpoint Insurance group offers commercial insurance. Their specific offers are Commercial Property, General Liability, Workers Comp, Commercial Auto, and Management Liability.