Commercial General Liability »   »   »   »   »

Today’s companies face an ever-present threat of lawsuits, a reality of doing business in our litigious society. In the event of suit - whether it involves injury or property damage - safeguard your client’s assets and protect against the unexpected with general liability insurance. Our underwriting experience and carrier stability allows us to insure a wide array of traditional and hard-to-place risks.
Classes of Business
  • Construction: General liability coverage for small and large businesses working on commercial, residential, and multi-unit structures

  • Installation, Service & Repair: General liability coverage for businesses that install, service, or repair a variety of products

  • Manufacturing & Distributing: Coverage for all types of companies that make or ship products

  • Non Profit: Fraternal Club, Storefront Community Churches, Social Services & Youth Sports

  • Prize Indemnification: Grand slam home runs, half-court basketball shots, holes-in-one, paper airplane tosses, record-sized fish catches

  • Stores & Rental Operations: Protection for retailers from accidents that occur in relation to their business

  • Service Businesses*: Artisan/Trade Contractors, Beauty/Nail Salons, Child Care, Concessionaire & Vendors, Janitorial Services, Lawn Care

  • Special Event*: General Liability and/or Liquor Liability for short-term events, Concert in the Park, Fishing Tournaments, Summer Festivals, Weddings

  • Transportation: Insurance coverage for “on-the-road” businesses needing more than auto insurance.

  • Miscellaneous:
    • Bars
    • Amusement Devices
    • Fitness Centers
    • Gasoline Sales
    • Jet Ski & Boat Rental
    • Laundromats
    • Lessor’s Risk
    • Pet Care
    • Restaurants
    • Security Guards
    • Tanning Salon
    • Stucco or PlasteringWork
    • Tree Trimming
    • Vacant Land
    • Vacant Building
    • Welding
Limits
  • $1,000,000 Occurrence
  • $2,000,000 General Aggregate
  • $2,000,000 Products/Completed Operations Aggregate
  • $1,000,000 Personal & Advertising Injury
  • $300,000 Fire Legal Liability
  • $10,000 Medical Expense
Optional Coverages (class specific)
  • Blanket Additional Insured
  • Waiver of Subrogation
  • Professional Liability
  • Sexual Abuse & Molestation
  • Hired & Non-Owned Auto
  • Primary & Non contributory wording
Commercial Umbrella & Excess Liability* (included but not limited to)
  • Minimum attachment point of $1,000,000
  • Limits of Liability up to $25,000,000
  • Eligible classes: Building & Premises, Construction, Habitation, Mercantile & Social Services
  • Excess Umbrella coverage available
 
 
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