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Commercial General Liability Insurance like most insurance is not very glamorous to deal with and is often required to do business in California. Many business owners opt for the cheapest coverage they can find and don’t understand the limits of their policy.
There are three primary coverage sections that make up a CGL policy: premises liability, products liability and completed operations. Premises liability covers liability for accidental injury or property damage that results from either a condition on your premises or your operations in progress, whether on or away from your premises. A products liability hazard exists for any business that manufactures, sells, handles, or distributes goods or products. The hazard being the potential liability for bodily injury or property damage that arises out of your goods or products. Completed operations cover your potential liability for bodily injury or property damage that arises out of your completed work.
Commercial General Liability Insurance is Comprehensive in nature. What this means is that the policy covers all hazards within the scope of the insuring agreement that are not otherwise excluded. Its important to have an agent that is well versed in these endorsements, exclusions and the limits of the contract, so that your business is not left exposed to unnecessary liability losses. At Sierra Oak Insurance Services we have over 30 years’ experience insuring a broad spectrum of businesses and specializing in high risk classifications of business such as Construction and Towing.