General Liability Insurance

Advertising Injury: Protects against claims of stolen ideas, invasion of privacy, libel, slander and copyright infringement related to advertising.

Bodily Injury: Protects against claims of injury if a client gets hurt, whether on your premises or theirs, and you are held legally liable.

Personal Injury: Protects you in the event you or your employees commit an act of libel or slander.

Property Damage: Protects you if you or your employees damage someone else’s property.

General Aggregate Limit: The maximum amount you will be reimbursed for all covered losses during a set time period, usually one year. Insurance policies typically set caps on both individual claims and the aggregate of claims.

Products Completed Operations Aggregate: The most you will be paid during the policy period for damages because of bodily injury or property damage and arising out of the products-completed operations hazard.

Employment Practices Liability: This protects you when you are held liable for wrongful acts related to the employment process, such as wrongful termination, discrimination, sexual harassment, and retaliation. In addition, the policies cover claims from other types of inappropriate workplace conduct such as employment-related defamation, invasion of privacy, failure to promote, deprivation of a career opportunity, and negligent evaluation. The policies cover directors and officers, management personnel, and employees as insureds.

Cyber Liability: Data breaches and other cyber events can cause major financial losses. The solution? A policy that covers your expenses, such as the cost of informing your customers about a hacker attack, as well as the claims against your firm by people or companies that have been injured as a result of your actions or failure to act. Those are referred to as first-party and third-party coverages.

Group discounts
Multi-policy discounts

When we talk real solutions, we mean business relationships that put your needs first, coverage that helps you in times of challenge, and independent agents who assist you as quickly as possible to make things right for you and your business.