General liability insurance is a fundamental coverage for businesses, providing protection against a range of common risks, including bodily injuries, property damage, and personal and advertising injuries. However, like all insurance policies, it has its limitations. At Carvo Insurance Group, we aim to make insurance understandable and accessible with instant online quotes, instant online binding, and detailed insurance proposals. Here’s a helpful Q&A to clarify what general liability insurance does not typically cover.
What is General Liability Insurance?
General liability insurance protects businesses against claims resulting from injuries and damage to people or property. It provides coverage for medical expenses, legal fees, and damages when your business is at fault.
What Are the Common Exclusions of General Liability Insurance?
While general liability insurance covers many incidents, there are several key exclusions:
- Employee Injuries: This insurance does not cover injuries to your employees. Workers’ compensation insurance is required to cover these risks.
- Professional Mistakes: General liability insurance does not cover liabilities arising from professional mistakes or failures. Professional liability insurance or errors and omissions (E&O) insurance is necessary for these exposures.
- Intentional Acts: Any damages or injuries resulting from intentional acts or misconduct by your business are not covered.
- Automobile-Related Incidents: For businesses that use vehicles, general liability insurance does not cover auto-related accidents. Commercial auto insurance is needed.
- Punitive Damages: In cases of lawsuits, general liability insurance typically does not cover punitive damages resulting from gross negligence or intentional wrongdoing.
- Workmanship: General liability insurance does not cover poor workmanship, faulty work, or product failures; these are typically covered by professional liability insurance or specific product liability insurance.
How Can I Get Instant Online Quotes for General Liability Insurance?
You can easily obtain instant online quotes for general liability insurance through Carvo Insurance Group. By visiting our website and providing some basic business information, you can quickly see how much your coverage might cost and what it includes.
What Does Instant Online Binding Mean?
Instant online binding allows you to immediately secure coverage directly through our website. This process ensures that there’s no delay in getting your business protected.
How Detailed Is the Instant Online Insurance Proposal?
When you receive your instant online quote from Carvo Insurance Group, you will also get a detailed insurance proposal. This document outlines the coverage specifics, including exclusions, limits, and premiums, giving you a full understanding of your policy.
How Do I Get Started?
To begin, and to receive a General Liability Insurance Quote, simply click here. Our streamlined process helps you quickly navigate through the options and secure the coverage that best fits your business needs.
Why Choose Carvo Insurance Group?
Choosing Carvo Insurance Group means selecting a partner that understands the complexities of business risks. Our commitment to providing instant access to quotes, clear proposals, and comprehensive coverage options makes us a trusted choice for business owners.
Understanding what your general liability insurance does not cover is just as important as knowing what it does cover. This knowledge helps ensure that you seek additional coverage where necessary and are fully aware of your policy’s limitations. Carvo Insurance Group is here to help you navigate these intricacies, ensuring your business is protected comprehensively.