Common Business General Liability Insurance Exclusions

Business Insurance Coverage Exclusions

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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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