Liability Insurance

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.

That would probably be very difficult to find with a pending claim. It's best to stay with your current insurer until the claim is closed.

You can add the new business to your existing policy. The cleaning company would not be covered until you add it to the policy.

The General Liability Class Code 99080 typically refers to businesses engaged in a wide range of activities that don't fit neatly into other specific classifications, often referred to as "miscellaneous" or "general" liability. This code is commonly used for entities that may not have a defined risk profile, such as contractors or service providers that perform various tasks. It helps insurers categorize these businesses for underwriting and premium determination. Always consult with an insurance professional for precise information tailored to your specific situation.

General liability class code 61226 typically refers to businesses involved in "Carpentry, Construction or Repair – Residential." This classification encompasses various activities related to residential construction, including carpentry, remodeling, and repairs. It helps insurers assess risk and determine appropriate premiums for businesses operating in this sector. As with any classification, specific details may vary by insurer, so it's essential to consult with your provider for precise information.

two classification of libilieties

Yes if it is covered by d insurance policy & No if not. Usually its not.

No. You, (The new owner) was not a party to the contract between the previous homeowner and the trade contractor. The contractor has no obligation to a subsequent owner with whom he did not contract or make warranty.

It's no different than when you buy a used car. You would have no recourse for work you might consider substandard against a mechanic that did repairs for the previous owner because you did not own the property at that time and were not a party to the repair agreement.

Hopefully you purchased a home warranty through your realtor when you purchased the home they are very inexpensive. Your recourse would be to file a claim on the home warranty offered to you when you made your home purchase.

68706-0-Warehouse/Self Storage

Typically, A cheap car that has low value and not sporty. A civic may cost more than a mustang, but may be lower because a mustang is sporty and more inclined to drive fast and crash.

Just call them up and ask them. It will depend on what type of claim you have.

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. First, if you are renting the home, you cannot insure it under a homeowners policy. If the home is not owner occupied for 90 days coverage ceases immediately. You must have the correct property policy for the right situation. If the home is rented you need a tenant occupied dwelling fire policy to cover the home. Be very careful that you notify your agent of any changes in your use or anything else about your property.

Depends on what business you have, what license you carry, gross receipts, payroll etc. There is no "typical rate" without have more information. You could work with a Broker such as myself to shop the market for the best rate, based off of the information listed above.

If you would like more assistance with a quote you can send me a message on my user page.

I would say that you need a policy for the entire year. The reason I say this is because of claims purposes. A general liability policy can be a reasonable premium for the year. I have several markets with competitive rates now so they are out there.

If your not administering drugs I could see no reason why a sleep lab would need professional liability.

Are you concerned you might be sued if you let someone oversleep?

Handyman

You cannot get car insurance if you do not have a license because you cannot legally drive.

Other than Not for Profit

If both properties are insured under the same policy, Yes.

If each property is insured separately under a different policy then you will need to contact the insurer of the pertinent property to address liability coverage issues.

It covers your negligent actions anywhere in the world as well if someone sues you your laibility coverage will kick in and they will defend you. There are some other coverages in there as well but would need to see policy as all are different

Sure, If you don't need it anymore no since paying for it.

Liability insurance only covers someone else in the case that you are responsible for damages caused in a collision. Comprehensive coverage will cover a driver that you hit, as well as cover yourself for any damages inflicted during a collision.