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General Liability insuranceGeneral Liability insurance
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Insurance Quotes from Infinity insurance, Progressive, Access, Travelers, Explorer,Insurance Quotes from Infinity insurance, Progressive, Access, Travelers, Explorer,
Bakeries And RestaurantsBakeries And Restaurants
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Liability Limits Up To 3,000,000Liability Limits Up To 3,000,000
General Liability for small and large businessGeneral Liability for small and large business
FAQs ABOUT GENERAL LIABILITY INSURANCE
After reading this we hope you can make a more informed decision about your impending purchase of General Liability Insurance.
WHAT IS THE DIFFERENCE BETWEEN A PER OCCURRENCE LIMIT AND AGGREGATE LIMIT?
Insurance is filled with complex terms and big words, but we do try to keep things simple.
Most small business general liability policies will have two limits. The per occurrence limit is the maximum His cox will pay for claims arising from a single occurrence. The aggregate limit is the maximum amount that we will pay in total during the policy term (usually a policy covers a year).Many small businesses select a per occurrence limit of $1 million and an aggregate limit of $2 million. To find out what limit you need, please speak to a Cal-General Insurance adviser at 626-334-7979 (Monday - Sat, 9am-8pm Pacific.) We’ll help you get what you need and understand exactly what coverage you’re getting.
WHAT COVERAGE LIMITS DO YOU OFFER ?
We offer a wide range of general liability limits starting from $300,000 to $2,000,000. Clients often ask for a minimum of $1 million of coverage, but this can vary depending on the size of the organization and project you are working on. If you need more coverage or you’re not sure what limit is right for your business, call one of our licensed advisers at 626-334-7979(Monday - Sat, 9am-8pm pacific time ) we’ll help guide you according to your specific business needs.
WHY SHOULD I BUY A GENERAL LIABILITY POLICY
No one, however careful they may be, can have genuine assurance that they will never be the defendant in a lawsuit alleging negligence causing injury to another party or damages another person's property. Whether (you) the defendant is found guilty or not, legal defense costs can be astronomical. As a Business Owner working within our system of government, it’s important to insure against these costs. We live in a very litigious society, where big money can change out of your hands, and into the hands of someone else.
WHAT IS PRODUCT AND COMPLETED OPERATIONS?
Product and Completed Operations coverage, a part of a General Liability Insurance policy, refers to claims that arise out of the installation of a defective product.
Some examples are:
* A structural beam that fails and collapses.
* A ceiling fan that breaks apart while in use and injures someone.
* An electrical switch that shorts out and burns down a church.
WHAT IS MED PAY?
Medical Payments provides payment of medical expenses of one or more persons injured at your job site (someone other than you or your employees), regardless of fault or legal Liability. Med Pay is like accident insurance, payable in addition to any other sums the injured party is entitled to collect. Many times, the injured party will accept the Med Pay payments without pursuing any claims for damage.
WHAT IS AN ADDITIONAL INSURED?
An endorsement used to attach your General Liability Insurance coverage to another party, typically a client who may have a Liability exposure arising out of your activities as a Contractor.
WHAT IS CONTRACTUAL LIABILITY?
This provides protection against the Liability assumed under specific types of written agreements, such as construction contracts.
WHAT IS AGGREGATE?
Aggregate is the maximum amount payable for one policy year.
WHAT IS OCCURRENCE?
Occurrence is the maximum amount payable for one claim.