Business Line Insurance
Your business faces
liabilities every day. The only way to protect your
assets is to carry adequate business liability
insurance. A Commercial General Liability (CGL)
insurance policy is the first line of defense against
many common claims.
Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.
Business Liability insurance protects your business against financial loss resulting from claims of injury or damage caused to others by you or your employees. (Some coverages may not be available on all policies or in all states.)
Automatic Additional Insured. Coverage is automatically provided when required in a written contract, agreement or permit.
Personal and Advertising Injury. Covers you for certain offenses you or your employees commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
Medical Expenses. Pays the applicable medical costs if someone is injured and needs medical treatment due to an accident on your premises.
Premises and Operations Liability. Provides coverage for bodily injury and property damage sustained by others at your premises or as a result of your business' operations.
Tenant's Liability. Protects your business against claims of damage due to fire or other covered losses caused by you to premises that you rent.