Category: Commercial Insurance

Commercial General Liability Insurance

7/7/2016

What You Should Know About Protecting Your Business

with Commercial General Liability Insurance

Commercial General Liability Insurance (CGL) is often referred to as the "first line" of protection for commercial businesses. Why? CGL covers some of the most common risks that a business can face including:

Bodily Injury & Property Damage on the premises, operations, products, and completed operations
Advertising Liability and Personal Injury Liability

What do these things actually cover?

Bodily Injury & Property Damage
Imagine you own an ice cream shop and a young customer comes in, buys a cone, drops it, and proceeds to slip and fall on the mess. The young customer breaks their wrist in the process and since it happened in your shop, your business could be liable for the injury. Instead of pulling funds out of the cash register for the kid's medical bills, your CGL policy could cover you under bodily injury & property damage.

Advertising and Personal Injury Liability
You're still the owner of the ice cream shop and you decide to run a TV ad that unintentionally implies that your competitor's ice cream shop uses dairy from unhealthy cows to make their ice cream. Your competitor loses business and they sue for the personal damages that your ad caused them. Instead of settling the suit with your own money, you could be covered under Advertising and Personal Injury Liability.

If you are starting a business, or you're not sure if you currently have adequate coverage, call our office to discuss our many options for CGL .
Our team here at TWFG Insurance Services in Fremont works with dozens of carriers including, Travelers, Nationwide, Mercury, MetLife, Liberty Mutual and more so that we can find you the best insurance to protect your business. We'll help you sort through all of the options and we're committed to helping you understand each part of your policy so that you can get the right policy at the right price, because Our Policy is Caring.

Get in touch with us today!

Call us:
510-573-4745

Or find us online:

Commercial Coverages

1/1/2015

Covering Every Corner of Your Business!

From small businesses to large corporations, everyone needs insurance to help protect the assets that they work so hard for.
The needs of every individual business will all look a little different, but here are a few of the general things that your business can protect with a commercial policy:

General Liability Insurance covering basic exposures for businesses. This coverage is designed to protect you in the event that you cause bodily injury and/or property damages during the course of your normal business operations.
A Business Owners Policy is a good starting point when looking for commercial insurance for your business. Standard BOPs usually cover general liability insurance and business personal property and/or buildings.
Commercial Vehicle Insurance might be necessary if your business uses any type of auto. Whether its commercial vans, cars, or trucks, there are a number of options available for commercial vehicle coverage.
Workers Compensation Insurance is something you need to think about if you have employees. Workers Compensation provides health benefits to employees for work related injuries, and is compulsory in many states. Our sources offer a wide variety of options.
Commercial Umbrella Insurance is designed to cover areas that might fall outside of the parameters of your other policies. Its written in addition to your other coverage, not as a replacement for it, and is intended to cover catastrophic losses.

Ready to learn more about insuring your business?

Mark and Taylor are the commercial experts in our office. You can reach them by email at the links below or give us a call at the office and ask to speak with Mark or Taylor.