BUSINESS INSURANCE PRODUCTS
Commercial General Liability
Is a broad type of insurance policy which provides liability insurance for general business risks.It is the "first line" of coverage that a business typically purchases, and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments
Commercial liability insurance helps protect you from costs associated with injuries or property damage suffered by others in an accident caused by you or your employee in your insured commercial vehicle. Commercial liability car insurance is broken up into two different coverages: Bodily injury insurance coverage.
Employment Practices Liability
A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.
Also called professional indemnity insurance (PII) but more commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. The coverage focuses on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder. These are causes for legal action that would not be covered by a more general liability insurance policy which addresses more direct forms of harm. Professional liability insurance may take on different forms and names depending on the profession, especially medical and legal, and is sometimes required under contract by other businesses that are the beneficiaries of the advice or service
Insurance that is used to cover any type of commercial property. Protects commercial property from such perils as fire, the and natural disasters. This type of insurance is carried by a variety of businesses, including manufactures, retailers, service-oriented businesses and not-for-profit organizations.
Fom of Insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker ro complete the core functions of their work.
Liquor Liability Insurance
Accordingly, it’s vital that if your establishment serves alcohol, you protect yourself from potential financial losses by being covered with a liquor liability policy. In the above examples, liquor liability insurance could help cover the bar’s legal costs, court fees, and any civil or criminal damages awarded.