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Rene Said:

What do people pay for liability insurance to build decks in new york state (suffolk county)?

We Answered:

You cannot find a price online as some companies charge based on annual sales and some based on your payroll. Your business is not one that can be flat rated.

I can help if you'll email me, giving you better direction.

Also you liability coverage will be dependent on the towns you pull permits in (what are their minimums?) and any General Contractors who may hire you (what are their minimums?)

Carla Said:

About commercial liability insurance quote.?

We Answered:

This is correct if the policy has a minimum of 2million limit this is good since these are the normal quotes for the commercial general liability risk. Make sure that you have the completed products liability included in this coverage.

Walter Said:

need liability insurance for self employed to work inside private homes. Need quotes from three companies?

We Answered:

You need a Commercial General Liability. The minimum is 1,000,000 Aggregate and 1,000,000 Occurence. I don't know any insurance company that would go less then these limits. Let me give you a scenario. You come to someone's place. After you leave, the owenrs file a claim that you stole a vaulable piece of art. They take you to court. Even though, you are completely innocent, the defense cost will run thousands of dollars. That's why you need so much coverage, because Liability covers not only claims but also the defense cost! Good luck

Stella Said:

What is the cost of general liability insurance for a small business?

We Answered:

You should find a local Independent agent, they'll be able to help you. When you say indoor golf, do you mean indoor mini-golf or indoor computer simulation golf? It could make a difference.

Eleanor Said:

What does Commercial Liability Insurance cover?

We Answered:

First things first, the agent you obtained the quote from should be more then willing to explain this to you. If not, then do yourself a favor and obtains quotes from other agents/brokers.

Basically liability can be defined as:
"An individual or business may incur a loss as a result of their actions toward other people or their property. Such losses are called liability losses. A liability loss occurs when a person is determined to have been responsible, or liable, for loss to another person or another persons property and is required to make financial restitution"

As a welder your husband needs to understand what risks he may be responsible or liable for? What actions might cause harm to another person or their property?

Does he have a shop where he might have customer coming and going? The most common exposure for this is trip and fall. What if someone enters his shop and trips/slips and they hurt themselves? He could be held responsible for their safety and Commercial Liability would cover this.

What is he welding? You need to make sure your quote(s) include coverage for Products & Completed Operations. This would cover his actual "welding" as this is his completed operation.

For example: say your husband welded on a trailer hitch to a truck. The owner of the truck then hooked up their trailer and went on their way. After a few miles the hitch gave way causing the trailer to disconnect from the vehicle wrecking into another vehicle. Later they determined the weld on the trailer hitch was the cause of the accident and your husband gets sued for faulty workmanship.

This could be considered his responsibility and is exactly why you would purchase liability coverage.

Liability is not always clear cut as to what is covered and what is not. Unfortunately often times there is no black or white (what is or is not covered).

Hope this helps and good luck with your business

Joshua Said:

how can i tell if an insurance quote is for liability?

We Answered:

Your experience with getting a rate quote online is why we recommend that you actually get the services of an agent.

Your best bet is to sit down with an independent agent who will go over all your options and explain what coverages are available, the premium, etc. Normally with an independent agent you will have a couple of companies to choose from. That said bear in mind that you are only 19 and since you are a male your rate for automobile insurance will be the highest rates issued.

A few things that I can suggest--check with the agent who writes the automobile insurance for your parents since you might be able to get some discounts through that company. Some companies give good student discounts, etc. Your rate for insurance will start going down at certain benchmark ages, i.e. at 21 & then again at 25 and 30 even if you are single.

I hope this helps. Good Luck!

Adrian Said:

I need general liability insurance for my walk-a-thon, who do i contact?

We Answered:

You contact a local, independent agent, to get a "one shot" special event policy. Start with the agent that writes your house/car insurance. If they aren't an independent, then you can locate one by zip code, at www.iiaa.org.

Expecct it to cost you $750 - $1200.