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Commercial Liability Insurance

Commercial Liability Insurance

You must protect your customers from potential injury – your financial security can be put at risk if you are legally liable for damage to someone’s property or if someone is injured as a result of your business operation. No matter how thoroughly you have been trained in your line of business, you are not fully protected unless you have liability insurance.

What are the coverages?

High limits

Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance.

Legal defense from the first dollar

If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar.

Legal costs in addition to limits

Legal defense costs are covered in addition to the umbrella limits of liability.

Broad coverage

Protection goes beyond the scope of limits provided by the underlying coverage.

Excess Liability Can Also Include:

  • Coverage for tenants’ property damage liability
  • Medical Payments
  • Expanded Fire Damage – Coverage is extended to apply not only as a result of fire, but also explosion, release of smoke from an unfriendly fire, or sprinkler leakage incidents
  • Extended Property Damage – coverage is provided for bodily injury and property damage resulting from the use of reasonable force to protect persons or property
  • Additional insured status is extended to employees who provide professional health services when this exposure is incidental

Our umbrella policies can be designed to meet your specific needs for a well-rounded business insurance program.

Tailoring Policies to Your Needs and Budget

We work hard to shop various policies on your behalf, seeking the best options at the most competitive prices. We also review all potential discounts you may be eligible for to help lower your rates. This review is ongoing, and we’ll remain proactive on your account. So, whether you needs are, personal or business, turn to us for all of your insurance needs.

Learn more by calling us at 239-313-2045 or by emailing our insurance agency.

We look forward to hearing from you!

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