Yes, garagekeeprs is part of the typical commercial insurance policy package, along with business auto general liability and property coverage, among others. Garagekeeps covers the commercial exposure for vehicles left in the insured's possession (which would be excluded under the general liability policy's auto exclusion) and usually has both comprehensive and collsion elements. For example, a vehicle left at a body shop or for an oil change.
Liability provides coverage for claims or losses in which you can be held liable for damages or in which you have been accused of being responsible. Comprehensive coverage would also provide coverage for other aspects of your business, such as property, inventory, business autos and equipment, cash flow, etc..
Vicarious liability is a form of a strict, secondary liability that arises under the common law doctrine of agency, respondeat superior, the responsibility of the superior for the acts of their subordinate or, in a broader sense, the responsibility of any third party that had the "right, ability or duty to control" the activities of a violator. It can be distinguished from contributory liability, another form of secondary liability, which is rooted in the tort theory of enterprise liability because, unlike contributory infringement, knowledge is not an element of vicarious liability
Personal Liability insurance is purchased by individuals and is normally included as part of a residential insurance policy, such as a Homeowners, Condo or Tenants package. It provides the insured with protection against lawsuits from third parties arising from the ownership and/or occupancy of the residence, including the personal actions of insured persons (eg. a visitor to the residence slips and falls on the front walkway due to a build up of ice/snow). General Liability insurance is the common abbreviation used in the industry to refer to "Commercial General Liability" insurance. A Commercial General Liability (CGL) insurance policy is purchased by a business and provides protection against claims by third parties for Bodiliy Injury and Property damage arising from the operations of the insured. Example: ABC Construction Inc. wins a contract to construct a new office building. During construction one of ABC's employees drops a hammer which hits a passing pedestrian on the head. The pedestrian sues ABC Construction for his/her injuries. ABC's general liability insurer will defend ABC in the lawsuit and pay any judgment which may be rendered against ABC (up to the policy limit). Hope this helps.
You have to hope the guy who hit it offer up his liability coverage. You might consider broader Auto Insurance Coverage in the future when you can afford it.
Normally it is not covered by a CGL policy. However some carriers can add this coverage by endorsement. The recomendation would be to buy a stand alone professional policy. they normally provide broader coverage. Review the policy carefully as these can be very complicated and are normally written on claims made basis instead of a occurrence form. Make sure you clearly understand the differences or you could be caught without coverage at some point in time.
Yes, it's a manifestation of a panic disorder which is a category of anxiety disorders. They fall within the broader mental disorder category.
Adware and spyware both fall under the much broader category of malware.
According to Linnaeus, the largest classification category is a Kingdom, however in a newer system of classification introduced by Carl Woese, a broader category the domain is the largest.
What makes the network different from ?Internet comes under the category of network. And network is a broader term.
What makes the network different from ?internet comes under the category of network. And network is a broader term.
Normally, renter's coverage applies only to the contents of the dwelling (furniture, for example). In contrast, homeowner's coverage is much broader. It applies to the structure of the dwelling, contents, and typically has an element of liability coverage that provides protection to the insured in case a guest is injured, because of the insured's negligence, upon the insured premises.
The Dewey Decimal Classification for Pilates is 613.71. This classification is under the broader category of Physical Fitness and Exercise.