Liability

General Liability

This coverage is key to the defense and settlement of bodily injury or property damage arising out of your premise, operations, products or completed operations. All businesses need this type of coverage and we are sure you probably have it.

Personal & Advertising Injury

Another coverage you most likely have but do you have any idea what it covers? Personal Injury is not bodily injury. Libel, slander, defamation of character and false arrest would be examples of personal injury. Advertising injury is essentially personal injury done by means of advertising. Caution, advertising injury is not for printed price mistakes or known copyright infringements.

Medical Payments

If you have customers or clients on your premise this is a handy coverage to have. It is also a staple in most liability policies. This pays for necessary medical expenses incurred by another party without the need of finding negligence. Employers Liability Protects employers from liability arising from items that might not be covered by Workers Compensation. This coverage is attached to the Workers Compensation policy.

Liquor Liability

Any business selling, manufacturing or distributing alcoholic beverages should have this coverage. It is excluded from General Liability. It can be written as a separate policy or included in your package policy. If you have an Umbrella Liability does it cover your Liquor exposure?

Umbrella Liability

An Umbrella policy rides over the top of your General Liability policy for sure. It may also cover your Automobile exposures as well. If you have any other liability policies are you sure it covers that as well? Remember, this is not a PROPERTY policy so it does not respond to losses to buildings or business personal property, a common misconception.