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 | Trucker Insurance |  |
Get Affordable General Liability Insurance
Commercial Commercial General Liability (CGL) provides coverage for claims from negligent business activities or failure to use reasonable care. The insurer can typically pay for damages, attorneys fees and case-settlement costs.
Because liability claims do not have any limits, coverage should match the largest court award for a case relevant to your business, or equal to the company assets.
CGL covers covers injuries:
- Bodily injury that results in actual physical damage or loss
- Property damage /loss
- Personal injury (Slander or damage to reputation)
- Advertising injuries (negligence from promotion of its own goods / services
In addition to their CGL, most companies will need to supplement it with automobile or fleet insurance and workers' compensation. Specialized coverage maybe be needed if you sell or serve alcohol, have environmental hazards, or produce goods that could be recalled.
Umbrella insurance provides additional coverage for areas where you don't include in your policy and are not insured for. After a certain deductible. Contracts for umbrella insurance are usually tailored to each account, and the risks covered are generally negotiated.
With so many types of coverage, have your agent make sure there are not either gaps in protection, or overlaps, which usually can happen with automobile and general liability coverage (GLC). Unless it's with the same company, many carriers will assign it to the the other insurer.
Avoid complex policies where you don't clearly understand the coverage. (CGL) provides coverage for claims from negligent business activities or failure to use reasonable care. The insurer can typically pay for damages, attorneys fees and case-settlement costs.
Because liability claims do not have any limits, coverage should match the largest court award for a case relevant to your business, or equal to the company assets.
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