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What is Commercial General Liability Insurance?

For the vast majority of small business owners, general liability insurance in Alameda, California is a necessity. Hence, general Liability Insurance also known as business liability insurance protects your company from legal claims of bodily injury, property damage. And personal injury that arise from your business operations. It covers non-professional negligent acts. Furthermore, you can purchase general liability coverage all alone. Yet it is with property insurance as a feature of a business insurance policy. Above all, Contact Business Insurance California to learn on how general liability insurance in Alameda County works, what it costs, and the best providers of this very important type of business insurance.

What Does Small Business General Liability Cover?

Most general liability insurance coverage incorporates standard structures distributed by the Insurance Services Office. In fact, the Insurance Services Office gives advisory data and administrations to insurance agencies. Moreover, they help insurance agencies is by drafting standard commercial insurance policy language. Hence, most insurance companies utilize the standard ISO approach structure for general risk protection. Under the ISO’s standard language, general liability insurance coverage covers the accompanying kinds of cases:

  • Third Party Bodily Injury
  • Third Party Property Damage
  • Advertising errors
  • Reputational harm
  • Medical payments

Is Commercial General Liability Insurance Required by Law?

No. You’re not legally required to purchase commercial liability insurance in Alameda County. However, most businesses do not have the financial capacity to survive a large liability claim that is why it is so crucial that your business must have Commercial General Liability (CGL) insurance policy in place. Moreover, this is your layer of protection in the event of lawsuits and claims. General liability insurance coverage is one of the most significant types of small business insurance. Without this kind of coverage, a lawsuit can destroy your business. In other words, you’ll have to purchase enough coverage to coordinate your degree of exposure and choose on the off chance that you need to add on any discretionary inclusions to your standard general liability coverage.

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