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General Liability Insurance

Some examples of services we provide for your business:

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  • Contractors

  • Offices (Medical, Business, etc.)

  • Restaurants

  • Lessor's Risk

  • Sports Team Coverage

  • Commercial Package

 

Our staff would be pleased to assist you with the following:

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  • Helping choose coverages and limits to suit your needs

  • Quotes from several companies to provide comparisons

  • Billing support

  • Close follow-up and quick reporting of claims

  • Several agency preferred companies for Emergency Restoration

  • Certificates of Insurance sent same day as requested

  • Assignment to a commercial lines agent

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Business Income - Commercial coverage that reimburses a business owner for lost profits and continuing fixed expenses during the time that a business must stay closed while the premises are being restored because of physical damage from a covered peril, such as a fire. Business interruption insurance also may cover financial losses that may occur if civil authorities limit access to an area after a disaster and their actions prevent customers from reaching the business premises. Depending on the policy, civil authorities coverage may start after a waiting period and last for two or more weeks.

 

Claims-Made Policy - A form of insurance that pays claims presented to the insurer during the term of the policy or within a specific term after its expiration. It limits liability insurers' exposure to unknown future liabilities.

 

Occurrence Policy - Insurance that pays claims arising out of incidents that occur during the policy term, even if they are filed many years later.

 

Aggregate Limit - The total amount on a policy that states the maximum amount the company will pay out per policy term.

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