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How General Insurance Can Protect You?
"General insurance" is the umbrella term used by the insurance industry to describe all policies other than life insurance policies. This includes various types of insurance for individuals as well business policies. The two most common types of general insurance for individuals are automobile insurance and homeowners insurance, both of which can include property and casualty coverage. The two most common types of general insurance available for businesses are commercial auto liability and commercial general liability. Other commercial general insurance products include premise liability, professional liability, product liability and operations liability. An increasingly popular commercial product is business interruption insurance that provides the business owner with income should a disaster fall that is covered by other parts of his or her policy.
Is there a comprehensive Auto liability policy?
There are many different types of insurance policies to choose from, including comprehensive and liability. When choosing a policy, be sure to consider the cost and your basic needs.
What are the different types of insurance available for homeowners?
The different types of insurance available for homeowners include homeowners insurance, which covers the structure of the home and personal belongings, and flood insurance, which protects against damage from flooding. Additionally, there is also earthquake insurance for protection against earthquake damage, and umbrella insurance for extra liability coverage beyond standard policies.
What are some good types of gio insurance?
"GIO offers many different types of insurance coverages, includind Auto policies, home owners, Life Insurance, Travel, liability insurance, workers compensations, etc. All would be good policies to have depending on your personal situation."
Why does a homeowners association need an umbrella and excess liability insurance?
Umbrella & excess provides increased limits of liability at a greatly reduced premium as compared to the general liablity policy. The theory is that the GL policy is the "working layer" for most claims, while the umbrella pays for the more severe (but less frequent) types of claims. The higher limits may be needed if the association is sued. Examples: * A person slipped and fell in the community's park. * Ice formed on the private road owned by the community, causing an auto accident. * A board member was alleged to have discriminated against a community resident. * and whatever else people sue for Note that while none of the above lawsuits are likely, and even so, have little or no merit, they can deplete a HOA's budget with the lawyer bills necessary to defend them. A special assessment against all of the homeowners would be inevitable, which could result in hardship and possibly assessment liens against homeowners in the association.
How do I get Persoanl Liability Insurance for a 15' Boat dock?
You don't mention is you have any other policy that covers this dock. Assuming that you don't, you should talk to your insurance agent and explore your options. For example, if you have a business policy or personal homeowners policy, it may work that you purchase "personal umbrella" coverage. Or, you may see about getting a standalone liability policy. Insurers differ greatly in their underwriting approaches but generally they are not looking to write liability-only policies on a risk class such as marinas, docks, etc. Be forewarned that you may end up in what is called the E & S market. This stands for "Excess & Surplus" and there are carriers who write "unusual" or "less than desirable" types of risks. Granted that their premiums are higher priced but this is based on the actual risk written.
What are two types of car liability insurance?
Bodily injury liability and property damage liability.
What are the various types of insurance policies?
Most of the major types, more than one of which could be included in one policy: 1) auto 2) home /property 3) health 4) life 5) boat 6) farm 7) business / lost income 8) personal liability 9) inland marine 10) garage keepers 11) workmans comp 12) commercial liabililty 13) commerical vehicle 14) umbrella
What are the different types of renters insurance available for individuals looking to protect their belongings and liability in a rental property?
There are two main types of renters insurance: contents coverage and liability coverage. Contents coverage protects your belongings from theft, damage, or loss, while liability coverage protects you if someone is injured in your rental property. Some policies may also include additional coverage for specific items or events.
Does liability insurance cover construction mistakes?
Liability insurance covers third party lawsuits resulting from a contractors operations. This includes parties injured by faulty construction and also property damage resulting from faulty construction. Liability insurance DOES NOT cover the contractors property that is "their work" which needs to be covered by builders risk insurance. Construction insurance policies are complex so make sure you work with a construction insurance broker to get quotes and understand what you are buying. Policies can be written to exclude types of work, certain projects, certain types of claims, and prior work performed.
What types of car insurance are offered in Pennsylvania?
All major car insurance companies offer policies in Pennsylvania. You have to get state mandated minimum coverage but may opt to get higher levels of insurance. Comprehensive, collision, theft, liability and other car insurance policies are available.
What types of insurance does AMCO insurance have to offer?
AMCO offers most of the typical packages of automobile insurance. The one area that they are very big in, however, is motorcycle insurance. They have liability as well as collision policies.
