Commercial General Liability Insurance
Public Liability Insurance protect individuals and businesses against financial losses resulting from third-party claims for bodily injury or property damage arising from their business operations or activities.
Add-On
Product Liability - Covers liabilities arising from defective products manufactured, sold, or distributed by the insured.
Additional Insured Endorsements - Coverage to additional parties, such as clients, landlords, or subcontractors, by adding them as additional insureds to the policy.
Contractual Liability - Covers liabilities assumed by the insured under contract, such as indemnification agreements or hold harmless clauses.
Exclusions
1. Intentional acts of misconduct, fraud, or dishonesty by the insured.
2. Claims arising from professional services or advice provided by the insured, rather than general business activities.
3. Claims related to employment-related issues, such as discrimination, harassment, or wrongful termination, unless specifically covered under an employment practices liability policy.
4. Damage or injuries resulting from pollution or environmental contamination.