Certificate of Liability Insurance

You’re a small business owner, so you know how much time, money, and energy you’ve invested into achieving your career goals. Your business, your wallet, and your professional reputation are all worth protecting from the moment you first open your doors for customers. 

Commercial General Liability (CGL) insurance protects you and your business against claims of liability for bodily injury, property damage, & personal and advertising injury (slander and false advertising). For example: if a mischievous scurry of squirrels decides to raid your shop and frighten customers at peak business hours, your Commercial Liability Insurance will protect you from lawsuits, and most likely help you hire a rodent wrangler. 

In all seriousness, even if your business doesn’t have a primary headquarters, you should still consider liability insurance to protect yourself. Contractors are at risk of bodily injury at work on a daily basis, which means covering all the liability bases is a smart idea. 

No matter what kind of business your unique insurance policy is tailored to protect, it’s a great idea to always have a Certificate of Liability Insurance on hand. This certificate is a just a single sheet of paper that summarizes the benefits of an insured party’s policy. You can use it as proof of coverage, and to explain any limits that your policy may involve. In most cases, the certificate will include the insured party’s name, the insurance company’s name, policy numbers and types, insurance limits, effective dates, expiration dates, coverage specifics, and insurance limits.

A Certificate of Liability Insurance is valuable because it contains extensive details about an insurance policy on a single sheet of paper instead of a thick, complicated stack of papers covered in fine print. There may come a time when you’ll need to add another contractor, lessee, or owner, and this is the form you’ll need to do it: (ISO CG 20 10 07 04) Commercial Liability Form

Just make sure to read this endorsement really carefully, as it will make direct legal changes to your existing policy. Using PDFfiller, you can pull up this Commercial Liability Form no matter where you are—from your office desktop, even from an iPad or smartphone while you’re on a job site. In your personal editor page, you can type in any new information, add a signature, then email the document, print it, share it, even eFax it. 

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 Thanks for reading!