This is a very odd request from the leasor. Unless you and your friends are incorporated or considered a business, no insurance carrier would sell you this type of policy. Also, any such coverage would probably duplicate the liability coverage you already carry on your vehicles. Instead, you might ask the leasor to consider writing in a "hold harmless" agreement in your lease. This basically places any liability back on you, and keeps the leasor safe. Quite frankly, given the situation you described, I can't imagine what the leasor needs to be safe from, unless it's a case of off-roading and the land is open or available to the public. It's possible the leasor is worried that the land is an "attractive nuisance," meaning people can enter it freely and run the risk of being hit by a vehicle being driven by you or your friends. Try the "hold harmless" agreement first, though. That usually does the trick. More input from FAQ Farmers: * For bus and 15 passanger vans 5million dollars coverge
The foregoing answer seems not to align with the scope of the question, so I offer this as assistance. Initially, because insurance companies provide insurance on a state-by-state basis, you must ensure that the insurer upon which you decide is authorized to transact insurance in your state. You must also start the transaction with an insurance agent or broker (sometimes both called "insurance producers") who are licensed in your state to transact property and casualty insurance. You are best served by a producer who specializes in or at least has a solid background in commercial vehicle coverage as there are substantial differences between it and personal lines insurance. There are many insurers that issue this kind of coverage and you will have many choices, not only as to company, but also as to the scope of coverage that you buy such as coverage limits, deductibles, and other factors. While price (premium) will probably be a factor for you, the financial stability of the insurer is also an important factor. This can be investigated through various financial rating services that specialize in measuring insurer financial strength; the producer will be familiar with them. Also, you have to be concerned with the claims process of the insurer in the sense that claims are handled efficiently and fairly. That is not to say that all claims get paid-because the language of the policy controls, but you do need to get an idea of customer satisfaction with the company that you are considering. One way to do this is to contact the State Department of Insurance (Consumer Services Division) to determine the level of complaints with the insurer's claims processes.
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.
One can find information about personal liability coverage by looking into insurance agencies. Many insurance companies provide all types of insurance so it is important to find the one which covers exactly what one wants and needs.
Yes, they will help you with a claim. Find out what yo are covered for. Liability means there is no physical damage coverage for the vehicle.
You should be able to find liability coverage from any Property & Casualty agent in CA excluding those that do only personal lines (home & auto). You are probably looking at two different types of liability coverage. First is general liability which coverage your business and second Errors 7 Omissions which covers your work product.
One can find commercial liability insurance on most insurance company websites. One would have to visit company sites such as All State, State Farm or Nation Wide insurance to find what works for them.
If this is only General Liability this is an easy coverage to get. Try a brokerage company who specializes in vacant land. If you are looking for Farm Coverage the best thing to do is look online for that coverage.
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 to understand your risk and get the right insurance in place.
There is a national program for piercing insurance (general liability and professional liability) at www.stratusins.com Choose the tattoo & piercing program link.
Contact an insurance broker who can spend the time to understand the risks your business generates, then helps you understand what policies are available to cover those risks. Almost all brokers write general liability for businesses but it isn't a bad idea to seek out a specialist if you have a unique or high risk business you are seeking coverage for.
Liability insurance protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. State Farm, Allstate, and Geico are all top companies that offer liability insurance. You can contact one of the above for free quotes in your area, and find out more information to find the policy that works for you.
You will just have to ask them for the insurance information. there is no central registry or database for homes and the insurance companies that insure them. You should first determine if your neighbor even has Liability insurance. Not all homeowners purchase liability coverage with their insurance policy. A home insurance policy can be bought with or without liability coverage. If the homeowner has elected liability coverage, The homeowners insurance policy will provide the homeowner with legal defense for the cost of defending against a suit that is brought against them claiming liability on the part of the insured. If the Insured is found at fault or liable in court, then their insurance company will cover the cost of those liabilities up to the specified policy limits. Alternatively you can sue your neighbor. Then If your neighbor has Liability coverage on his home insurance policy, You will then meet your neighbors insurance company attorneys in court.
Contact an agent in your area, if they do not sell this type of coverage/policy they will be able to refer you an agent that does.