Liability

• Commercial General Liability – protection from financial loss due to liability resulting from injuries to other persons or damage to their property.
• Professional Liability – designed to protect an insured against loss due to a claim of a negligent act, error or omission by the insured.
• Products Coverage – designed to provide protection against financial loss arising out of the legal liability incurred by a manufacturer, merchant, or distributor because of injury or damage resulting from the use of a covered product.
• Completed Operations Coverage – covers a contractor’s liability for accidents arising out of jobs, projects or operations that were completed by the contractor.
• Employment Practices – designed to protect the corporation, directors, officers and employees for claims resulting from wrongful termination, discrimination, sexual harassment, wrongful discipline and failure to employ or promote.
• Employee Benefits Liability – provides protection to employers against claims brought by employees or former employees for negligent acts or omissions in the administration of the insured’s employee benefits programs.
• Liquor Liability Coverage – designed to protect an individual or entity for bodily injury or property damage to another for which an insured may be held liable by reason of causing or contributing to the intoxication of any person; furnishing alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or violating any statute, ordinance, or regulation relating to the sale, gift, distribution, or use of alcoholic beverages.
• Directors & Officers – covers the exposure of claims of alleged mismanagement of corporations, board and non-profit organizations.
• Umbrella & Excess Coverage – Insures losses in excess of amounts covered by other underlying liability insurance policies; also protects the insured in situations not covered by the usual liability policies.