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Under the Insurance Services Organization's standardized Commercial General Liability coverage, personal injury and advertising injury are coverages that are triggered when an intentional action committed by the insured has an unintentional outcome resulting in injury to another party. The following offenses are covered under personal injury and advertising injury:
a. False arrest, detention, or imprisonment;
b. Malicious prosecution;
c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor;
d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products, or services;
e. Oral or written publication, in any manner, of material that violates a person's right of privacy;
f. The use of another's advertising idea in your "advertisement"; or
g. Infringing upon another's copyright, trade dress, or slogan in your "advertisement."
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Does Foreign Commercial General Liability include Foreign Business Auto Liability?
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.
Where can one buy liability insurance for a personal chef business in California?
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.
What is the Liability of homeowner acting as General contractor?
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
What coverages are included in a Commercial general liability insurance policy?
The insurer's general undertaking in most liability policies is to pay those sums that the insured becomes legally liable to pay as damages because of bodily injury or property damage to which the insurance applies. The insurer also undertakes to defend the insured against any suit seeking those damages for bodily injury or property damage to which the insurance applies (which means that the insurer hires an attorney and pays related attorney's fees and court costs). These coverages are included under Coverage "A" of the Commercial General Liability policy (hereafter, CGL). Coverage "B" provides protection for personal and advertising injury (distinct from "personal injury"). Coverage "C" provides medical payments coverage for an injured person . There are many exclusions to the coverage provided in the standard CGL policy, which must be filled by endorsements or speciality policies in order for the insured to have truly comprehensive coverage.
For commercial businesses what is a typical general liability?
For commercial businesses, a typical general liability includes four main types. They are, first, bodily injury, second, property damage, third, personal injury (including slander and libel) and last, advertising injury.
Where do you buy General liability insurance?
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
Why are you advertising AIG insurance company as THE provider of non-owner auto liability insurance when the do NOT sell such coverage?
AIG, like most other companies, will only sell this coverage in conjunction with either a general liablity policy or a commercial auto policy. It is not available as a stand-alone coverage.
What is the difference between liability insurance and directors and officers liability insurance?
If you mean the difference between General Liability (GL) and Director's and Officer's Liability (D&O), GL typically covers your products, premises and operations, advertising and personal injury liability. D&O covers the liability arising from the operations and decisions of the directors and officers of an organization. Because directors can be personally liable for their decisions, whether for a corporation, limited liability company, non-profit or other form of an organization, D&O provides specific coverage for their liability.
What is the difference between farm liability insurance and vacant land general liability insurance?
Farm Liability is often a Farm Comprehensive Personal Liability coverage form and generally covers the land on which you farm as well as the products which you produce as a farmer. It covers the personal liability for the insured(s) as well as the farm exposures. There is some off-farm property coverage often written on a Farm Package. Vacant Land General Liability provides protection for the undeveloped vacant property. The definition of vacant property / vacant land is an important item to review in the coverage form. If it's to be undeveloped land and a the insured is putting a road in and / or developing the site, one might need a different class code.
What does comprehensive general liability insurance cover?
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.
What is the difference between marine general liability and commercial general liability?
Liability provides coverage for claims or losses in which you can be held liable for damages or in which you have been accused of being responsible. Comprehensive coverage would also provide coverage for other aspects of your business, such as property, inventory, business autos and equipment, cash flow, etc..
How does form cg2010 differs from cg2026?
CG2010 is a standard liability insurance form used for commercial general liability coverage, while CG2026 is used for umbrella liability coverage. CG2010 provides primary liability coverage, while CG2026 provides additional coverage on top of underlying policies. CG2026 often includes broader coverage and higher limits compared to CG2010.
