This is an example of how Business Insurances work and how some insurers exclude most of the risk events. The following activities are excluded in most business policies, unless a huge premium is being offered and agreed upon.
Example Of Common Commercial General Liability Insurance Exclusions:
- Acting as an importer, distributor, or manufacturer’s sales representative
- Any damages related to abuse or molestation
- Damage to someone else’s property in your care, custody or control
- Damages from accessing or disclosing confidential or personal information
- Damages from foreign drywall contaminants
- Damages from your hiring, firing, or other employment practices
- Damages that existed before the start of the policy period or which progressed from previous damages
- Damaging or losing electronic data
- Exposure to fungi or bacteria
- Exposure to lead
- Exposure to silica or silica-related dust
- Fines, penalties, or other punitive damages
- Firearms
- Injury to employees
- Manufacturing for resale under a private label or brand not owned by you
- Operating a warehouse or providing fulfillment or distribution services for others
- Operating or servicing any manned or unmanned aircraft or watercraft (including drones)
- Physical or verbal violence
- Property damage to your work or your subcontractor’s work
- Serving, selling, or distributing alcohol or allowing alcohol on premises
- Sexually transmitted diseases
- Suing or filing claims against your co-owners, partners, or employees.
- Working with pollutants or causing pollution
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