General Liability Insurance

Our commercial general liability programs provide insurance protection needed to pay damages for bodily injury or property damages for which our clients are legally responsible. They also cover accidents occurring on the premises or away from the premises. Coverage is provided for injury or damages arising out of goods or products made or sold by the named insured. However, several individuals and organizations, other than the named insured, may be covered, depending upon certain circumstances specified in the policy. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

We have two commercial general liability coverage forms available, the occurrence form and the claims-made form. Both forms are somewhat identical in the coverage offered. The main difference is in the way claims are handled under the two forms. The occurrence form covers bodily injury or property damage claims that occur during the policy term, regardless of when the claim is reported. The claims-made form only covers claims made against the insured during the policy term. A claim made after the policy expires is not covered by a claims-made policy unless the claim is covered by an extended reporting period. The claims-made policy will only have the extended reporting period

The following are types of general liabitlity programs we offer our clients.

Premises and Operations Liability

Provides coverage for damage caused by accidents or occurrences arising from the condition, maintenance or up-keep of the insured’s premises and from the insured’s business operations. Most basic business liability policies provide this coverage.

Products Liability

Coverage of a manufacturer’s or seller’s liability for losses or injuries to a buyer, user or bystander caused by a defect or malfunction of the product. When it is part of a commercial general liability policy, the coverage is often called products-completed operations insurance.

Personal & Advertising Injury Liability

Provides Coverage Part B of the Insurance Services Office commercial general liability policy, which combines both personal injury and advertising injury into a single insuring agreement and limit of liability.

Pollution Liability

Provides coverage for liability resulting from pollution that fills the gap created by the pollution exclusion in the commercial general liability policy. It provides coverage for third-party injury, property damage and cleanup for pollution caused by the failure of the insured’s products, such as valves, hoses, pipes and tanks.

Medical Expense Liability

Provides coverage that pays the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.

Excess / Umbrella Liability

Coverage that is written in excess of primary insurance. It is designed to increase the limits of liability, thereby providing catastrophe coverage. Excess liability coverage does not respond to a loss until the amount of the loss exceeds (or exhausts) any existing primary policy limits. Example: A primary $500,000 liability policy is written, and excess insurance is written for $2 million excess of the primary. The primary policy would pay all losses within $500,000 and the excess policy would pay losses in excess of the primary coverage, up to the excess policy limit of $2 million.

Liquor Liability

Special liability coverage for insured’s who are in the business of manufacturing, distributing, selling, or serving alcoholic beverages. For these insured’s, liability can arise from such circumstances as contributing to the intoxication of an individual; furnishing alcoholic beverages to an underage person; or violating any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages.

Crime Coverage

A package of policies that protect an organization against intentional theft by insiders, as well as theft of assets by third parties. Crime coverage generally includes a fidelity bond plus a basic menu of other coverage’s.

Employee Benefits Liability

Provides coverage for errors and omissions in the administration of the insured’s employee benefits

Automobile Liability

Provides coverage for commercially owned vehicles, trucks and private passenger vehicles.

Garage Liability

Provides coverage for garage operations, automobile operations, physical damage coverage on garage owned autos and coverage on customers cars, auto and provides premises medical payments coverage.

Garage Keepers Liability

Covers the insured’s liability for loss to a covered auto or auto equipment left in the insured’s care while the insured is attending, servicing, repairing, parking or storing the auto in the garage operation.