Employment Practices Quote Bodily & Prop. Damage Quote Excess Quote Directors and Officers Quote Errors and Omissions Quote Commercial Property Liability Crime Workers Comp Bonds Fleet Specialties

Commercial Liability Insurance is a business necessity. We can help you evaluate your exposure, choose the right type and form of coverage, and institute the risk management practices that will benefit your company over the long term. General Liability coverages include:

Bodily injury and property damage.
Commercial General Liability insurance coverage agrees to pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage from the insured's premises or operations. The personal injury portion covers libel, slander, false advertising, false arrest and invasion of property.

Excess
The Excess Liability (Umbrella) Policy is designed to provide coverage in the event of a catastrophic claim, lawsuit or judgment. Commercial excess policies provide excess liability insurance over your basic primary policies, such as your commercial liability and fleet policies.

Excess policies pay only after the limits of the underlying primary policies are exhausted.

Employment Practices
Employment Practices Liability insurance is designed to help your business in the event that an employee or former employee alleges discrimination, harassment or wrongful termination.

As employment-related litigation continues to rise, you will be exposed to claims arising from a number of federal and state laws, including the Americans with Disabilities Act, amendments to the Civil Rights Act, Age Discrimination in Employment Act and other anti-discrimination laws. We have extensively researched the marketplace in order to obtain the most comprehensive coverage at the best pricing – so that we can offer you the very best protection in the changing business landscape.

Directors and Officers (D & O)
Directors and Officers Liability coverage can protect the directors and officers of your business or organization from a claim caused by a wrongful act in their capacity as directors. "Wrongful act" is commonly defined as any breach of duty, neglect, error, misstatement, misleading statement, omission or other act done or wrongfully attempted by the directors or officers. Definitions do vary slightly from company to company.

Directors and officers can be held personally liable for acts of company employees and other business activities in which they did not necessarily participate; what's more, their personal assets can be at stake if their company declares bankruptcy and its assets are not sufficient to compensate a D&O claim. Most importantly, Directors and officers can be held personally liable for legal fees and other expenses incurred in defending claims made against them, regardless of whether those claims have any merit or validity. D&O insurance can provide valuable coverage against defense-related expenses.

D&O insurance does not cover claims that are based on bodily injury or property damage liability, as these would normally be covered under your standard Commercial General Liability insurance.

Professional Liability (Errors and Omissions)
Because professional liability is excluded from your Commercial Liability coverage, you may need a separate policy to protect against liability arising out of an error or omission of professional judgment. Errors & Omissions insurance is available for many professional occupations including accountants, lawyers, doctors, insurance agents, architects, engineers, brokers, real estate agents, stock brokers, travel agents and more.

Simply put, Errors and Omissions insurance can protect these individuals from the liability arising out of their performance of professional duties. It's important to pay attention to whether the defense costs are included within the limits of the specific definitions for "wrongful acts."