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Commercial General Liability Insurance (CGL) is the focus of a slew of law suits. Accordingly, there are many things you need to know about securing a Commercial General Liability Insurance Policy for an Electrical Contracting Operation. Although this coverage helps to protect you and your company's assets by providing a layer of defense against several types of suits including negligence, there is a lot to know. That is what your Castle Rock Agent is here for. By covering the cost of defending or settling these claims and the award that may be handed down to the claimant, your Electrician's General Liability Insurance policy can help you keep your business in business.
General Liability Insurance For a Plumber usually covers Five basic categories of business liability:
Physical harm to a person at your place of business, or an injury caused by your employee at a client's site.
Completed Operations/Products Liability
Losses after your business has completed work for a customer (such as repairing appliances or installing wiring), or from distributing products.
Damage to the reputation or rights of a person or business due to slander, libel, copyright infringement, invasion or privacy, false arrest, wrongful eviction, etc.
Losses caused by your advertising (spoken or written); for example, an ad that trashes a competitor.
Pays the medical expenses of a person injured on your premises (a customer, client, visitor, or even a trespasser) up to a stated amount, regardless of fault — as a goodwill gesture to prevent lawsuits.
Independent Contractors Liability
Damage from the acts of an independent contractor hired by your business.
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