Property Liability Insurance

Property insurance can cover the physical buildings that you own and other business property/inventory against physical loss or damage.

Most property policies cover the physical building, the furniture, fixtures, inventory, office equipment and other supplies stored at your facility or even off-premises.

There are higher premiums for replacement cost policies, but they can help your business recover faster, since you can replace all of the lost or damaged property with new items.

Liability Insurance

Liability insurance is designed to protect your business against losses even if you are negligent or liable for damage, injury or loss to another individual’s property, reputation, or health.

When a claim is filed against the business, damages, legal defense fees and settlement charges are paid by the insuring company.

• Bodily Injury – Liability coverage may pay the affected person or firm for the cost of care, the loss of services and restitution for death that results from an injury.
• Property Damage – If your business somehow causes damage, or causes someone else’s property to lose it’s use, this coverage may pay for the value of the physical damage or the loss of use of that property.
• Products & Completed Operations – A policy may provide coverage for your company’s completed products or services. If someone is injured due to the use of your products or services, this policy would pay for the resulting damages and any legal expenses.

Contractual Liability

This general liability coverage extends to any liability you may assume by entering into a variety of different types of contracts such as a building lease.

Liquor Liability

If you’re not in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages, this policy may protect you from claims that you’re legally liable for a liquor-related accident.

Hired Auto & Non-Owned Auto

Hired Auto & Non-Owned Auto coverage protects vehicles not owned by the company and meets the contract requirement for Commercial Auto coverage. This coverage compliments or replaces the liability coverage offered by auto rental agencies.

If you or one of your employees has an accident in a personal vehicle while on company business, Non-Owned Auto coverage provides protection if your company is sued.

Medical Payments

If a customer tripped, fell or was somehow injured on your premises and had to be hospitalized, this policy will pay for medical or funeral expenses incurred, within one year of the accident.

Personal Injury

Most general liability policies provide coverage if you are accused of:

• Publishing inaccurate information that slanders or libels a person or organization
• Publishing material that violates a person’s right of privacy
• Falsely arresting, detaining or imprisoning someone
• Maliciously prosecuting someone
• Wrongfully evicting someone
• Advertising Injury

Advertising Injury

In the event of an advertising injury for your company’s own goods, products or services, this policy will provide valuable liability protection against advertising injuries resulting from:

• Publishing inaccurate information that slanders or libels a person or organization
• Publishing material that violates a person’s right of privacy
• Copying some other company’s advertising ideas or style of doing business
• Infringing on another company’s copyright, title or slogan