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Commercial General Liability Insurance: Are you properly covered? Should a contractor you perform work for be listed on your policy as an additional insured?

These are very common questions in the insurance world today. Typically, your general liability policy covers you & your employees for liability in the work that you perform for your customers. Adding an additional insured to your policy protects that additional insured from liability “arising out of work you perform”.

One example I can think of would be that of a cleaning company: Company A (you) does the cleaning at Company B (additional insured). One of Company A’s employees mops the floor with the wrong cleaner and leaves the floor extremely slippery. A customer goes to Company B & slips/falls causing injury. The customer files suit against Company B for liability. Because this slippery floor is a result of the work of an employee of Company A and Company B is listed as an additional insured on Company A’s insurance policy, Company B has additional liability coverage under Company A’s policy because the incident occurred “arising out of” work Company A performed.

General Liability Insurance

If you have any questions or would like to explore your options for health insurance, it is always a good idea to contact your insurance carrier or speak with an insurance agent. Shield Insurance Agency represents over 40 insurance companies and can provide you with a free quote and personalized advice. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Be sure to check with your agent to make sure you are properly covered for all liability exposures. Submitted by Tammy