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Common Exclusions Please note, coverage does vary by insurer and it will include additional exclusions other than the examples below. It would be best to thoroughly review your policy to know exactly what your policy does and doesn't cover. Damage to Your Work - Usually, commercial general liability policies exclude coverage for property damage to your work. Damage to Your Product - Commercial general liability policies will not cover property damage to your product. Contractual Liability - Commercial general liability policies exclude coverage for bodily injury or property damage that you are obligated to pay because you assumed liability in a contract or agreement. Recall of Products, Work, or Impaired Property - Commercial general liability policies will not pay the cost to recall faulty products, work, or impaired property. You do have the option to add this coverage to the policy by endorsement for an additional cost. Workers' Compensation and Employer's Liability - Commercial general liability policies don’t provide coverage for workers' compensation, or employer's liability. There may be other exclusions that apply on a local level to the Broxton, GA and surrounding areas. The Claims Process If an incident occurs that may lead to a claim, you should notify your insurance company or agent immediately. Be prepared to explain what has happened in detail including the time, date, the names of any witnesses, and any other pertinent information. Not all claims will be accepted by the insurance company, however. As a business owner, you are required to file a claim with your insurance carrier. If you have used an agent in the process, then they will help you file the claim. Most business insurance companies allow you to file a claim over the phone and also offer up an online option. Regardless, there is quite a bit of paperwork and details involved, regardless of what the claim may be. The business is then assigned a claim adjuster, who will review the claim and determine if the claim is covered. They may require more paperwork and it may be weeks before you know if the claim is denied or accepted. If denied, you can appeal and submit more information. If accepted, they will give you explicit instructions on how you will get compensated, whether they will be assigning their own attorneys (as needed), or how they will reimburse your company based on the circumstances. To learn more from our experts in the Broxton, GA and surrounding areas, get in touch with us. What coverage do you need? The coverage you will need depends on: The type of business you are in The perceived risk associated with it Your business location is also another factor that is taken into consideration. As an example, some states tend to award more in damages to plaintiffs claiming personal injury than others. It’s best to speak with a licensed insurance broker to determine the best coverage for your business. A licensed insurance broker can discuss with you if you fall into the lower risk category. If so, you may want to consider a Business Owner’s Policy (BOP). This policy would combine both your general liability and property insurance (and possibly other coverages) at a multiple policy, cost-effective rate. To learn more from our experts in the Broxton, GA and surrounding areas, get in touch with us.