Yourself and the cargo you are carrying should be covered under this insurance. It also protects your company from liability in case of an accident or emergency.
Commercial Insurance policies are very specific. They may be or they may not be covered. It just depends on on what coverages you purchased when you bought your commercial liability insurance policy. If you bought the cheapest rate you could find, then you probably do not have coverage for volunteers. It's best to contact your insurance agent for clarification of who and what is covered under your Commercial Insurance Policy.
No. Liability insurance covers damage you do to someone else's property. Theft would be covered by comprehensive insurance. In most jurisdictions, liability insurance is required but comprehensive is not.
The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.
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.
"A lot of insurance quality strongly depends on what exactly is covered and the value needed to properly insure against liabilities involved. However, some top names in the commercial liability insurance business are Nationwide and Bolt. Talking to an insurance agent with specifics would then provide more information."
"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.
The Highpoint Insurance group offers commercial insurance. Their specific offers are Commercial Property, General Liability, Workers Comp, Commercial Auto, and Management Liability.
Yes, according to StateFarm's website, they do offer commercial liability insurance for work vehicles. http://www.statefarm.com/insurance/business/commercial-auto-insurance.asp
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
This would be covered under your general liability policy for your business
All the major insurance companies offer general liability insurance for commercial workplaces. Some of these are Nationwide, Progressive and Allstate.
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.