Commercial Liability

Commercial Liability insurance is a business necessity.  We can help you evaluate your exposure, choose the right type and form of coverage, and institute the risk management practices that will benefit your company over the long term.  General Liability coverages include:

Bodily injury and property damage.  Commercial General Liability insurance coverage agrees to pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage from the insured's premises or operations.  The personal injury portion covers libel, slander, false advertising, false arrest and invasion of property.

Excess.  The Excess Liability (Umbrella) policy is designed to provide coverage in the event of a catastrophic claim, lawsuit or judgment.  Commercial excess policies provide excess liability insurance over your basic primary policies, such as your commercial liability and fleet policies.  Excess policies pay only after the limits of the underlying primary policies are exhausted.

Employment practices.  Employment Practices Liability is designed to help your business in the event that employees or former employees allege discrimination, harassment or wrongful termination.

Directors and Officers (D&O).  Directors and Officers Liability coverage can protect the directors and officers of your business or organization from a claim caused by a wrongful act in their capacity as directors.  "Wrongful act" is commonly defined as any breach of duty, neglect, error, misstatement, misleading statement, omission or other act done or wrongfully attempted by the directors or officers.  Definitions vary slightly from company to company.

Professional Liability (Errors and Omissions).  Because professional liability is excluded from your Commercial Liability coverage, you may need a separate policy to protect against liability arising out of an error or omission of professional judgment.  Errors & Omissions Insurance is available for many professional occupations including accountants, lawyers, doctors, insurance agents, architects, engineers, brokers, real estate agents, stock brokers, travel agents, and more.