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COMMERCIAL INSURANCE BROKERS
Home > Blog > Why is My Liability Insurance Coverage so Limited?
TUESDAY, AUGUST 17, 2021

Why is My Liability Insurance Coverage so Limited?

The customary language of a General Liability Policy is not provide coverage for normal business disputes between the parties.

The basic intent of the General Liability Policy is to provide limited coverage for bodily injury and/or property damage as a result of the faulty workmanship performed for one of your customers.

As an example you are changing the oil in the engine of a vehicle but you forgot to replace the drain plug. The client picks up his car and soon thereafter the engine freezes but before it stops one of the pistons fly out of the engine and do damage to the body of the vehicle. In this case, the Liability Insurance Carrier will deny the damage claim to the engine but will pay for the damage to the body of the vehicle.

The idea is not to reward someone for performing the bad work upon the object upon which they had in their care, custody and control but to cover the resultant damage from the bad work.

That’s the way it is in the insurance world.

With good health to you.

Best Regards,

Don Bone,

President

Posted 9:14 AM

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