Commercial General, Umbrella & Excess Liability

Commercial General Liability

When alleged bodily injury or property damage claims occurs from the operation of or by a product manufactured by your business, a Commercial General Liability (CGL) policy affords you the peace of mind knowing that your businesses assets are protected in the event of a lawsuit.

As part of a package policy, or separately tailored for your unique business needs, a CGL policy protects your business in the following general areas:

Bodily Injury and Property Damage
Personal and Advertising Injury
Medical Payments
Tenants' Legal Liability

Umbrella and/or Excess Liability

If lawsuit were to be brought against you personally or your business, Umbrella and Excess Liability policies are cost effect ways to ensure higher limits should the worst case scenario occur.

Excess liability increases your limits of insurance while providing the same or more restrictive coverages than your primary policies. If the limits on your primary policies are exhausted, the excess policy will trigger.

An Umbrella Liability policy has the same concept, but has added benefits for you, the insured. Acts like an umbrella; it will sit over multiple primary policies, in addition to providing broader coverage in the following areas:

Worldwide Coverage
Personal Injury Coverage
Employers' Liability
Care, Custoday and Control Coverage
Aviation Liability
Marine Liability
Advertisers Liability
Liquor Law Liability
XCU Liability
Extension of Protection to Additional Insured's

Another key feature to an Umbrella policy is its “drop-down” effect. When aggregate limits have been exhausted, or there is no coverage under your primary policy, the Umbrella will “drop-down” to become your primary policy.

Your team of professional brokers understands that lawsuit judgments are continuously increasing in today’s litigious world. Our understanding and experience allows us to customize a policy for you or your business.

If interested in a trusted assessment of your Commercial Insurance program, please email our commercial department, or call (905) 760-1515!