Generally speaking, if you sell a product under the business name stated on the policy, you are most likely covered in the event of a claim, even if the company was unaware of what you are selling.  They reserve the right, however, to go back to the policy inception and collect any additional premium that this product may have generated.  If your product is illegal (for example, a flower shop selling marijuana on the side) you are probably not covered.

May 14, 2018

What if I am selling a product that my insurance company doesn’t know anything about?

Generally speaking, if you sell a product under the business name stated on the policy, you are most likely covered in the event of a claim, […]
May 14, 2018

Am I covered if I refuse service to a customer?

General Liability policies exclude coverage for intentional acts of wrongdoing.  This is similar to an automobile policy which denies coverage if you are the perpetrator of […]
May 14, 2018

Am I covered if construction reduces traffic to my business?

Road or Utility Construction is one of the most painful problems that a business owner can face. A road project can cripple a business. Unfortunately, it […]