Commercial General Liability
CGLThe cornerstone of any commercial insurance program, CGL protects your business against third-party claims of bodily injury, property damage, and personal and advertising injury arising from your operations, premises, or products.
Who Needs This?
Every business that interacts with the public, operates a physical location, or provides products or services.
Products Liability
Specialized coverage for manufacturers, distributors, and retailers against claims arising from products that cause bodily injury or property damage.
Who Needs This?
Manufacturers, importers, distributors, wholesalers, and retailers of physical products.
Liquor Liability
Protection for businesses that manufacture, sell, serve, or facilitate the purchase of alcohol, covering claims from alcohol-related incidents.
Who Needs This?
Bars, restaurants, nightclubs, event venues, liquor stores, and caterers.
Umbrella Liability
Provides an additional layer of liability protection above your underlying policies, extending coverage limits when a claim exceeds primary policy limits.
Who Needs This?
Any business seeking higher liability limits beyond their primary policies.
Excess Liability
Follows the form of an underlying policy to provide additional limits, ideal for businesses with specific contractual requirements for higher coverage amounts.
Who Needs This?
Businesses with large contracts requiring specific liability limits.