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Business Insurance Coverage Exclusions

    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
    Common Business General Liability Insurance Exclusions


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