General Liability
GENERAL LIABILITY – COVERAGE EXPLANATION
Comprehensive General Liability
Provides liability coverage for bodily injury and property damage arising from accidents on premises, business operations in progress, products manufactured or sold, and completed operations. Bodily injury includes sickness or disease and death in addition to accidental injuries. Property damage applies only to claims from damage to tangible property or loss of use of tangible property not damaged.
1) Each Occurrence: This is the maximum amount of money the policy will pay for any one claim.
2) General Aggregate: This is the maximum dollar amount your policy will pay out towards all claims you may experience during the entire 12 month policy period.
Premises and Operations
The premises hazard exists when there is ownership or occupancy of property(the premises). A customer may have a premises claim against the insured if the newly waxed floors caused the customer to slip and fall.
The operations hazard exists when activity in addition to occupancy of property exists. Most customers have this exposure rather than premises. A carpenter may be negligent and cut the electrical wiring, causing property damage to the building.
Products and Completed Operations
Products hazard arises from the manufacturing or selling of a product such as an air conditioner. A compressor that the insured sold and installed for the client may have been defective and caused a fire damaging the building.
Completed operations is a hazard that remains after the contractor has completed the job. In the air conditioner example above, if the compressor was improperly installed and later caused fire damage due to the improper installation, any resulting injuries or property damage would be said to emanate from the completed operations hazard.
Advertising Injury
This coverage includes libel, slander, invasion of privacy, misappropriation of advertising ideas or style of doing business or infringement of copyright, title or slogan, all in the course of advertising the insured’s goods or services.
Fire Legal Liability
Provides property damage coverage to property leased or rented to the insured. If the insured rents a building and by negligence on the part of the insured, fire damages the part of the building that is leased by the insured, fire legal liability coverage limit would apply.
Premises Medical Payments
Provides medical payments for persons, other than the named insureds, for bodily injury suffered on the premises, even though the insured was not negligent.
Owners Subcontractor Protective
Provides coverage to the insured against losses caused by the negligence of a contractor or hired subcontractor by the insured.
Cal-Pro Insurance partnering together with Contractors State License Services endorse the following insurance coverage and plans:
- General Liability
- Workers’ Compensation
- Business Auto
- Equipment/Tool Coverage
- Risk Management/Claim Avoidance
- Premium Financing/Cash Flow Solutions