Frequently Asked Questions

General liability insurance generally helps protect businesses against covered third-party bodily injury, property damage, and certain other liability claims. Coverage depends on the specific policy, limits, exclusions, and endorsements.

It depends on your operations, risks, contracts, and other requirements. We review your business before recommending coverage and limits rather than starting with a one-size-fits-all package.

General liability is a type of liability coverage. A BOP typically combines general liability with commercial property and potentially other coverages for eligible businesses.

Your business may have an exposure when employees use personal vehicles for work. Hired and non-owned auto coverage may help address certain business-related auto liability exposures, depending on the policy and circumstances.

Factors can include your industry, operations, payroll or revenue, claims history, location, coverage limits, and other risk characteristics.

General liability insurance generally helps protect businesses against covered third-party bodily injury, property damage, and certain other liability claims. Coverage depends on the specific policy, limits, exclusions, and endorsements.

Certain business owners or corporate officers may qualify for an exemption depending on their business structure and industry. Construction and non-construction businesses have different requirements, so eligibility should be confirmed before relying on an exemption.

Pricing depends on factors such as employee classification, payroll, claims history, experience modification, and the nature of your operations. Higher-risk classifications may carry higher rates than lower-risk occupations.

A prior decline doesn't necessarily mean there are no other options. Merchant Insurance Solutions works with difficult-to-place workers' compensation risks by taking a deeper look at claims history, classifications, and business operations before approaching the market.

Workers' compensation generally addresses covered work-related employee injuries and illnesses, while general liability generally addresses covered third-party bodily injury and property damage claims. The specific coverage provided depends on the policies involved.

Insurance needs depend on the contractor's operations, employees, vehicles, projects, and contractual requirements. Construction contracts may require specific liability limits, additional insured status, waivers of subrogation, workers' compensation, and other coverage.

Additional insured status generally extends certain coverage under a policy to another person or organization, subject to the applicable endorsement and policy terms. General contractors and property owners commonly require additional insured status in construction contracts.

Builders risk coverage for hurricanes, named storms, wind, and related losses varies by policy and carrier. Florida contractors and property owners should confirm applicable coverage, deductibles, exclusions, and limitations before construction begins.

Builders risk generally protects covered property during construction, while general liability generally addresses covered third-party bodily injury and property damage claims. They serve different purposes within a construction insurance program.

Merchant Insurance Solutions clients can submit a certificate of insurance request online through the agency's certificate request process.