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Insurance Coverage for Small Businesses

Liability Insurance

A Comprehensive General Liability (CGL) policy is designed to provide coverage to third parties for the following:

Personal and Advertising Injury
Fire Legal Liability, which is often mandatory if you lease your premises. This protects you in the event your negligence results in damage or loss to your landlord's property. For example: you mistakenly leave a small electric space heater running and go home for the evening. During the night, the heater shorts and starts a fire, resulting in fire and smoke damage to your landlord's building. In this case, the negligent act of leaving the space heater on caused the loss. This is where Fire Legal Liability protects your investment.
Products and Completed Operations
Medical Expense or Medical Payments
General Liability for your premises. The best illustration is the common "tripping over the torn carpet, resulting in an injury" loss.

On occasion, some policies will exclude Products and Completed Operations and/or Personal Injury and Advertising Coverage depending on the services your business provides. In these instances, a Professional Liability, Malpractice, or Errors and Omissions Policy might be available for your type of operation that will cover the errors and omissions that might result in suits against your company. This is particularly true of professions that are held to a higher degree of care or standard, for example, attorneys, engineering consultants, insurance agents, realtors, doctors and dentists.

Business Property Insurance

Worker's Compensation Insurance

Employment Practices Liability Coverage

Life Insurance

Excess Liability Coverage

Other Insurance


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