General Liability covers property damage or bodily injury to a third party. For example, a window washer’s ladder crashes through a customer’s window. That would be an example of a covered claim under General Liability because it is secondary to why the window washer was there. However, if the product the window washer was using on the windows etched the glass on the windows, this would be covered under professional liability because it was directly related to the job that the window washer was hired to do. Professional Liability is a separate coverage that must be purchased.

May 14, 2018

What determines my premium?

General Liability premiums are derived from up to four different categories. Payroll: usually used in construction and other industries where services are provided off-site. Receipts: retail […]