Commercial General Liability Insurance

Commercial General Liability Insurance provides coverage for other individuals who are on your property and/or exposed to your operations. This commercial insurance helps protect you from injury or damage claims made by the other parties.

Policies provide coverage for liability arising out of Personal and Advertising Injury, Products/Completed Operations, Fire Damage Liability (damage by fire to premises rented to insured), Premises and Operation, Medical Payments.

You can combine your General Liability Insurance together with your Property Insurance and other Insurance policies into one convenient Business Owner Package, providing you with one comprehensive policy. The Business Owner Package helps save you time and money on your total Commercial Insurance program. In addition, you can add a Commercial Umbrella Policy to help cover the "million-dollar lawsuits" that occur far too often these days.

Commercial Property Insurance covers the risk of property loss in a variety of business situations. Commercial Property Insurance covers both direct and indirect losses when property is lost, stolen, damaged or destroyed. The indirect or consequential losses must be related to the direct losses.

Property covered through this insurance can include equipment, commercial buildings, inventories, furniture, business records, fixtures, supplies and other physical items.

Business Auto Insurance allows you to insure not only private passenger cars, but also trucks, trailers, semi-trailers and commercial vehicles designed for use on public roads. You can insure vehicles that are owned, hired, leased or borrowed by businesses. Business Auto Insurance covers corporations, sole proprietorships, partnerships and associations.

Profesional Liability (E&O) insurance protects you against claims that you did something incorrectly for a client or did not do something that you normally would be expected to do in the course of business events. E&O coverage provides protection for claims or lawsuits for mistakes or omissions that result in financial losses for a client. This insurance is different from all types of coverage protecting against damage to property, physical injury and so on.

Workers' Compensation provides for the payments of medical benefits, death benefits, income benefits, and rehabilitation benefits in the case of accidental bodily injury or disease arising out of and in the course of employment. The bodily injury must be caused by an accident.