The types of coverage we offer include:
General Liability Insurance
This insurance provides essential protection for your business. Also known as business liability insurance or commercial general liability (CGL) insurance, this insurance policy protects your business should injury or damage occur to others as a result of your business operations or negligence.
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Personal & Advertising Injury
Claims of slander and libel that are not part of your professional services
Covers bodily injury that occurs during the course of your business operations such as slip and falls or injury from equipment.
Injuries to people for which you are legally liable (including employees, contractors and clients)
Protects against lawsuits against your company (fault is irrelevant)
Damage to property that you are legally liable for (including rented property)
This coverage pays when someone else is injured or suffers property damage resulting from an accident or negligence on the part of you or a member of your household. This coverage extends to when you’re out of the home (such as in someone else’s home).
- Pets are included in this coverage.
If your home becomes uninhabitable due to a covered loss, then this benefit covers additional living expenses such as hotel fees.
This covers the medical expenses of someone injured at your home (not including members of your household).
There are some optional coverages that are not part of standard home insurance policies such as:
- Coverage for art, jewelry, collectibles, etc.
- Flood insurance
- Earthquake insurance
This coverage covers all of your personal belongings such as furniture, clothing and appliances. Some other benefits include:
- This coverage extends around the world.
- Coverage is comprehensive and covers many types of damage and losses such as fire, theft and vandalism (exclusions may apply).
- Your items are replaced without a deduction for depreciation.
Our home policy covers different types of damage to your home and separate structures, such as a detached garage. Some of the things covered are damage caused by: