| Commercial
General Liability (CGL) Coverage A
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| Coverage A covers
bodily injuries and property damage common in
any business. It also spells out the insurance
company's obligation to provide a defense to claims.
You are insured for an occurrence unless it's
excluded. The major exclusions are categorized:
• responsibilities
to employees
• damage to your work or product
• aircraft, auto and watercraft
Other exclusions include liquor liability, pollution,
intended injury and war.
Note.
Most of these exclusions can be picked up with
an additional CGL coverage form or separate
insurance.
Fire damage to property
you rent or occupy can be covered; however,
a separate dollar limit applies. Liability for
fire to another's property in your care is excluded
under basic CGL coverage. This is because liability
policies don't generally cover property in your
care, custody, or control. Such property is
considered to be a property risk rather than
a liability risk.
Tip.
Keep in mind CGL exclusions for liquor, aircraft
and watercraft. If you're not in the liquor
business, there is coverage when providing drinks
at a business or employee function. If you plan
to use someone else's watercraft or plane for
a party, check your policy first. The CGL is
not always an answer.
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| CGL
Coverage B |
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| Coverage B gives
personal and advertising injury liability coverage.
A broad range of offenses are covered which are
not bodily injury or damage to physical property.
Again, a specific dollar limit applies. This coverage
is not for those firms in advertising, publishing,
TV or Radio. Personal
injury includes libel and slander. The liability
covers advertising business goods, services,
and products. Exclusions include:
• intentional
acts
• wrong prices or quality
• copyright, trademark, trade secret,
or patent violation
Coverage B can be an important addition to the
protection provided by Coverage A. |
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| CGL
Coverage C |
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| This medical payments
provision isn't triggered by a charge of negligence.
The insurer will pay up to the Declaration page
dollar limits for medical services at the time
of the accident. Later medical services, including
ambulance and hospital are covered, too.
Of course, territory
restrictions apply. Also, the injured must submit
to a medical examination.
There are three advantages
to purchasing Coverage C:
• It may give
an injured person second thoughts about suing.
• You'll have peace of mind if someone
was injured on your premises or in your operations.
Their medical expenses will be paid.
• The insurer gets a medical exam of the
injured. This protects you if they decide to
sue later.
Volunteers are the only workers that can receive
medical payments. In Ohio, Workers Compensation
generally covers employees.
Note.
Athletic activities are not covered by Coverage
C. Sponsorship of athletic activities, including
auto racing, involves risks not anticipated
by routine business insurance. Exclusions include
intentional injuries. |
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| Request
A Free Quote |
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Requesting
a free quote is easy, straight forward and time
saving!
All we need from you is some basic information
to get the process started. By filling out the
form to the left with a few lines of information,
it will allow one of our experienced insurance
agents to contact you to discuss the different
options of the insurance type you requested.
We are here to work for you so that is exactly
what we will do. Once we have all the information
we need, we will carefully look over all the options
that are available to find out the best coverage
for the best rate that will fit your needs. Then
we will call you back to let you know how much
money you saved by switching your business to
Simon Insurance Agency.
Thanks for inquiring about insurance through Simon
Insurance Agency. |
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