General Liability

3. Describes a type of organization that does not earn profits for its owners. All of the money earned by or donated is used in pursuing the organization's objectives and keeping it running.
4. Protects against financial losses that arise from their obligations to others by transferring that financial loss to an insurance company.
7. A classification whose occupation is common to many businesses. The remuneration of those employees are excluded from the total.
9. The date after which injury or damage must occur in order to be covered by the policy and is shown on the CGL Declarations Page.
11. The total sale of goods or services.
12. Provides protection from claims originating from the serving of alcoholic beverages by firms in the business of distributing such.
13. Have a distinct occupational or business license, evidence that liability insurance is carried, Control the details of the work performed and Payment is made by the job rather than by the hour rather. Commonly hired by a business to complete a portion of a project or to perform a select service.
14. Applies only if no other classifications more specifically describes the insured's business.
15. Always excluded from sales based audits.

1. Some employees may perform duties directly related to more than one classification assigned to an insured. When this occurs, the NCCI Basic Manual allows the payroll of such employees to be divided between the applicable classifications provided.
2. For most Workers Compensation classifications this is payroll. For General Liability classifications, this is sales and/or payroll
5. Direct and indirect loss incurred by others as a result of physical loss.
6. A nationwide organization that functions in an advisory capacity for general liability, commercial automobile, liquor liability, inland marine, commercial property, farm, crime, professional liability, and person lines.
8. The total of all work let or sublet in connection with each specific project, including: all labor, materials and equipment furnished, used or delivered for use in the execution of the work.
10. Used primarily for theaters, shows and sporting event classifications. It is meant to measure "the total number of persons, other than employees of the named insured, admitted to the event insured or to events conducted on the premises.