General Liability Insurance is designed to protect businesses against damages and negligence they become legally obligated to pay due to bodily injury, property damage or personal and advertising injury arising from premises, operations, completed operations and products.
Business Property Insurance can be purchased whether you own, rent or lease property in any industry. There is no such thing as one size fits all business property coverage. Various forms and coverage endorsements exist to meet your individual needs. In short, Business Property Insurance can protect buildings, equipment, building content, and other real and personal property.
Most states require Workers’ Compensation Insurance, but each state has unique laws. Workers’ Compensation Insurance can protect employees and a business in the event of an accident or disease arising out of the course and scope of employment. Workers’ Compensation does not consider who is at fault, rather it is designed to protect employees and employers from costly litigation.
Claims arising from the process of employment are covered under Employment Practices Liability Insurance. Common claims include wrongful termination, sexual harassment, discrimination, wrongful discipline, and retaliation. This policy covers directors and officers, management personal and employees of the insured.
Group Life Insurance may be offered by an employer, organization, or association. Usually this coverage is offered as part of a bigger plan of insurance products in an employee benefits package. Typically there are minimum and maximum limits available to the group because of preferred group pricing. It is possible to have a group life insurance policy through work and purchase an individual life insurance policy on your own.
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