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What is General Liability Commercial Insurance?

In simple words, General liability insurance (GL), also known as business liability insurance, is coverage that can protect your business from claims which include bodily injury, property damage, personal injury and others that can occur from your business operations. We want to make sure your business is properly protected.

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Full Circle Brokerage covers a full range of commercial vehicle insurance products, whether you own just one vehicle or a fleet. Our companies insure cargo vans, pickups & utility trucks. We also specialize in Food Trucks, large trucks and trailers etc.

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Landlord insurance is a policy designed for people who rent their homes to other people.  It can bring many benefits, such as legal liabilities, fire and water damage, financial protection against natural disasters and protection for your furnishings (among many other benefits).

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Building insurance policies can include the coverage of the building structure, property used to maintain the building, indoor fixtures etc. Business Income Loss is an option as well. 

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What's the difference between commercial insurance and regular insurance? A personal auto policy usually covers one person driving their own car, but a commercial policy covers an entire business. That could include multiple drivers, multiple vehicles, trucks, and employees with poor driving records. However, commercial auto insurance doesn't have to be expensive.

What is the importance of commercial insurance? Commercial insurance offers protection to businesses from any unforeseen issues. Some of the most common insurance policies are shopkeepers' insurance, warehouse insurance, transit insurance, product and public liability insurance, employee liability insurance, marine insurance, property insurance and many more.

What does commercial insurance cover? Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.

What are the 3 most common insurance needs that all businesses must have? When you're starting your own business, some types of coverage you should make sure to have are: •General liability insurance. •Professional liability insurance. •Workers' compensation insurance

What coverage is included in a commercial general liability policy? Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business's operations, products, or injuries that occur on the business's premises.

What should I ask a commercial insurance agent? Here are some important questions to ask your business insurance agent or broker: •What types of business insurance policies do I need? •How do I submit a business insurance claim? •How much will my business insurance policy cover? •What affects my business insurance costs? •How can I save money on insurance?

Does commercial insurance have a deductible? Yes. For example, commercial property insurance might use one of three different forms of deductibles: Flat deductible: A fixed dollar amount applied to each loss. Percentage deductible: A percentage applied to a property's total value, often in cases of catastrophe damage.

What is excluded from commercial general liability? Bodily injury or property damage that may result from the use of aircraft, watercraft, or autos that are owned, operated, or rented or loaned to any Insured is excluded.

Is commercial insurance the same as full coverage? Full coverage auto insurance is typically a combination of various commercial insurance options that add up to protect the vehicle, the driver, and the company to the fullest extent possible.

Does commercial insurance cover private use? It's important to note that commercial insurance will cover you for personal use, however the reverse is not true. If you use your vehicle to transport products to earn money, even if it's part-time, you won't be covered for loss or injury under your personal insurance policy.

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