General Liability Insurance

Certain niches and industries require more coverage than others. All businesses should have General Liability insurance however it is up to the owner to determine their business’ operations and potential risks. The owner may decide nothing can ever go wrong and not purchase this coverage, which may force the business to close in the event of a lawsuit. Ask yourself, what is the worst thing that could happen with my business and remember, accidents do happen.

My client is requesting an “additional insured” endorsement from me, what does that mean?

Your client is asking you to list them (or their business) on your general liability policy as an additional insured. By doing this, you are protecting them under your policy in case they are named in a liability lawsuit along with your business resulting from your work or your premises. This is a typical requirement in construction contracts and premises lease agreements.

Certain niches and industries require more coverage than others. All businesses should have General Liability insurance however it is up to the owner to determine their business’ operations and potential risks. The owner may decide nothing can ever go wrong and not purchase this coverage, which may force the business to close in the event of a lawsuit. Ask yourself, what is the worst thing that could happen with my business and remember, accidents do happen.

My client is requesting an “additional insured” endorsement from me, what does that mean?

Your client is asking you to list them (or their business) on your general liability policy as an additional insured. By doing this, you are protecting them under your policy in case they are named in a liability lawsuit along with your business resulting from your work or your premises. This is a typical requirement in construction contracts and premises lease agreements.

A certificate of insurance is a “snapshot” of your basic insurance coverage and limits as of the date the certificate is issued. It is requested from business to provide evidence of your insurance to a third party, potential client, or governmental entity.   

A certificate of insurance is a “snapshot” of your basic insurance coverage and limits as of the date the certificate is issued. It is requested from business to provide evidence of your insurance to a third party, potential client, or governmental entity.