General Liability Insurance

What is general liability insurance? Do you need it for your Mammoth Lakes or Bishop business?

General liability insurance is a standard insurance policy issued to businesses for claims arising from business operations. Commercial general liability protects against liability claims for bodily injury and property damage arising out of premises, operations, products and completed operations, plus advertising and personal injury liability. The Insurance Services Office (ISO) CG 00 01 policy form is the foundation of many general liability policies.

Basically, general liability insurance protects your business from claims you might become legally liable to pay. It also defends you in the event of a claim. Commercial general liability doesn't protect your business personal property or building property. Commercial general liability is not only recommended by professional advisors and industry organizations -- it's required by business contracts. If you're a Mammoth Lakes, Bishop, or Eastern Sierra business, it's a must.

Are all commercial general liability policies the same?

No, not all commercial general liability policies are the same. Even though the foundation of most commercial general liability policies is the same policy form, endorsements remove or exclude coverage (or limit or define coverage). The most common policy limit of insurance request in contracts is $1,000,000 per occurrence and $2,000,000 annual aggregate. These limits are not enough for all businesses or contracts, so for any needs beyond $1,000,000, a commercial umbrella or excess liability can be purchased in additional increments of $1,000,000 aggregate limits.

Why choose Insurance Scouts?

We take our time getting to know you and your business so we can point you to the best commercial general liability policy for your needs. You know your business, industry and operations best, and we help communicate that information to insurance companies and underwriters. We want to see your business thrive, and we can help you with all your business insurance needs. We'll be one of your business's biggest advocates so you can keep your focus on operating your business.