Commercial General Liability FAQs
Commercial General Liability will not cover faulty workmanship, or the wrong advice provided by you or any of your employees. This is covered under your Professional Liability Insurance.
Things like location, your industry, how many employees you have, your gross sales, prior claims.
One thing that will also have a premium impact is what extra coverages you are required to have due to your contractual obligations. If you need special language, or particular endorsements there is usually an extra charge depending on the insurance company.
- Additional Insured - extends Commercial General Liability to a third party (e.g., a subcontractor) and helps protect them against related lawsuits.
- Waiver of Subrogation - is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party.
- Primary & Non- Contributory -this endorsement means that the contractor's policy must pay before other applicable policies (primary) and without seeking contribution from other policies that also claim to be primary (noncontributory)
The answer is NO. General liability insurance covers liability to third parties, like your clients and others, not your employees. On the other hand, Commercial General Liability covers legal defense costs if someone sues you for property damage, advertising injury and bodily injury.