FAQs

The things you did not declare, and the things that need their own policy. An activity left off the application, such as fireworks, an inflatable, live animals, or a ...

No, but California law is the reason to carry it anyway. California originated strict liability in tort for defective products in Greenman v. Yuba Power Products (1963), which means ...

Only if the coverage territory says so, and the default is narrower than most sellers assume. A standard general liability form covers worldwide bodily injury and property damage but ...

No, and the two are commonly confused. Product liability responds to injury or damage a defective product causes to someone else. A recall is the cost of getting the ...

There is no single formula. The drivers are what the product is and how it can fail, how many units are in circulation and where they are sold, whether ...

Product liability insurance typically does not cover intentional harm caused by a product, professional negligence, or employee injuries. Professional negligence usually needs professional liability insurance, and employee injuries go ...

A businessowners policy insures the property at the premises and gives a small limit for property away from them. The contractor whose tools live in a truck, the photographer ...

Yes, with conditions attached to how the property was left. Theft of tools, equipment, and property in transit is a core reason the coverage exists. The conditions are where ...

Read the valuation clause, because it decides what a claim actually pays. Many contractors equipment forms settle at actual cash value, and the Department of Insurance’s commercial guide says ...

It covers the materials you are installing until the job is accepted. A contractor who buys a chiller, a switchgear line-up, or a run of cabinetry owns a real ...