The care, custody, or control exclusion on a CGL strips coverage for property you hold, install, repair, or move. Here is what fills the gap and why it matters.
General liability and professional liability cover different claims, and the GL policy excludes professional services. Here is what each covers and when both belong.
Products and completed operations coverage handles claims that surface after work is finished or a product has shipped. Here is what it pays and why the tail is long.
A subcontractor agreement is not paperwork. It is the document that decides which company absorbs the loss when a subcontractor causes one. Here is what it has to do.
General liability policies stack two limits - per-occurrence and aggregate. Here is what each one pays, how they interact, and why aggregates can exhaust quietly across the policy year.
A certificate of insurance is a snapshot, not a contract. Here is what to demand on it, how to verify it, and what to track between renewal and the loss that arrives later.
A commercial general liability policy answers in three coverage parts and a list of named exclusions. Here is what gets paid, what does not, and how per-occurrence and aggregate limits change the math at claim time.
