Posts by Mike Orr

When you think of an “additional insured,” you probably think of someone being added to your insurance—like putting your children on your auto policy, for instance. But this is not the case. When you add someone to your insurance, that person will be protected in the same way you are under the policy. An “additional…

Two Types of General Liability: Claims Made and Occurrence If you’re a contractor or small business owner, you face plenty of risk when it comes to liability and litigation.  Commercial General Liability insurance plays a key role in helping you manage these risks. But not all Commercial General Liability policies are the same.  There are…

The Commercial General Liability section of your certificate of insurance shows the following limits: $1,000,000  | EACH OCCURRENCE $100,000     | DAMAGE TO RENTED PREMISES (Ea Occurrence) $5,000         | MEDICAL EXP (Any One Person) $1,000,000  | PERSONAL AND ADV INJURY $2,000,000  | GENERAL AGGREGATE $1,000,000  | PRODUCTS – COMP/OP AGG But what…