Explore Commercial General Liability Insurance Solutions
Accidents happen, and when they do, your business needs protection. Whether you run a retail store, office, or service-based business, protecting your company from claims of bodily injury, property damage, or personal injury is crucial. General liability insurance helps ensure your business is covered in the event of accidents or lawsuits, allowing you to focus on what matters most. Let us help you find the coverage that protects your business and ensures its long-term success.
Coverage Options
Protection For Your Business*
* These coverage options represent the most common but it is not an all-inclusive list. These flip cards are for educational purposes only. For all coverage options or to discuss your specific coverage needs, please contact our licensed agents.
** All coverages are subject to your specific policy. If you have questions regarding your coverage, please contact your licensed agent.
Bodily Injury Coverage
This covers the cost associated with injuries sustained by third parties on your business premises or as a result of your business operations. It helps cover medical expenses, legal fees, and any settlements or judgements that arise from accidents.
Fire Liability Coverage
If your business operations cause damage to someone else’s property, this coverage helps pay for the repair or replacement of the damaged property. For example, if you accidentally break a client’s equipment or damage their building, this coverage would cover the associated costs.
Personal and Advertising Injury Coverage
This covers claims related to slander, libel, false advertising, or other personal injuries that occur as a result of your business activities. It also protects against allegations of defamation, copyright infringement, or invasion of privacy related to your marketing or promotional efforts.
Medical Payments Coverage
Provides coverage for medical expenses if someone is injured on your premises, regardless of who is at fault. It helps cover immediate medical treatment costs without requiring a lawsuit or fault determination, offering a quicker way to resolve minor injuries.
Product Liability Coverage
If your business manufactures, sells, or distributes products, this coverage protects against claims resulting from product defects or harm caused by your products. If a product causes injury or property damage to a customer, this coverage helps protect your business from costly lawsuits.
Professional Liability
This covers your business against claims of negligence, errors, omissions, or failure to deliver professional services as promised. If a client alleges that your work caused them financial loss—whether due to a mistake, oversight, or miscommunication—professional liability insurance helps cover legal defense costs, settlements, and judgments. It’s essential protection for businesses that provide advice, expertise, or professional services.
Employment Practices Liability
This covers your business against claims made by employees related to wrongful employment practices such as discrimination, harassment, wrongful termination, retaliation, and other workplace issues. Even if the claim is unfounded, defending your business can be expensive. EPLI helps cover legal defense costs, settlements, and judgments—protecting your business, your reputation, and your bottom line.
Directors and Officers Liability
This covers your company’s directors and officers against claims alleging wrongful acts in their management decisions. If a board member or executive is sued for breach of duty, mismanagement, or other leadership decisions that result in financial harm, D&O insurance helps cover legal fees, settlements, and judgments. It’s critical protection that helps attract and retain qualified leaders while safeguarding their personal assets.
Combine Your Business’ Essential Coverages
A Business Owners Policy (BOP) combines essential coverages into one convenient package designed for small to mid-sized businesses. It typically includes commercial property insurance to protect your building and business assets, general liability insurance to cover third party claims of bodily injury or property damage, and business interruption insurance to help replace lost income if a covered event forces your business to close temporarily. A BOP offers comprehensive protection at a cost-effective rate, making it a smart choice for businesses looking to safeguard their operations.
