Liability Insurance

General Liability

Normally, it is difficult for business and contractors to work without general insurance. General liability insurance is intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources. These exposures could be just about anything, including liability engendered by accidents from the operations of the insured party, contractual liability, products manufactured by the insured party, etc.

The liability you select, whether it is one, two, or three million dollars, determines the cost of general contractor liability insurance. Also factored into the rates are the kind of work undertaken, gross receipts and total payroll expenses. Similar to auto insurance, when it comes to general liability insurance, you will first have to make a down payment and then follow it up with installments. Before buying general contractor liability insurance, it is best to compare the quotes available in the market.

It is the contractor’s job to make sure that the people working under him are covered by an insurance policy. If for example, a person who is not a part of the project gets injured, the injured person’s lawyer can target just about anyone involved in the project. The more individuals that are involved, the greater the chances of a successful lawsuit.

Employment Practices Liability (EPLI)

Employment Practices Liability Insurance otherwise known as EPLI is insurance that helps protect you against claims from your employees that result from the general conduct of your business. Common examples of employee related claims include claims relating to:

  • Discrimination
  • Wrongful Discharge
  • Sexual Harassment
  • Hostile Working Environment
  • Wrongful Termination
  • Lack of Advancement

Pharmacist Liability

Pharmacy is a rapidly changing profession which goes beyond the traditional dispensing function into areas of patient consultation, drug product selection, and patient profiles. The pharmacist of today is a dispenser of drug information as well as drug products. These new and challenging areas of practice bring a proportionate increase in professional liability exposure. Our professional liability policy meets the needs of today’s pharmacists.

Professional Liability (Errors & Omissions)

Errors and Omissions insurance, also sometimes referred to as professional liability, is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. Professional liability coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.

Property / Liability

The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage.


The right restaurant business insurance coverage for restaurant owners. Your customers expect a great experience, and you know how to deliver. It isn’t easy – even before you consider all of the risks.

Whether you run a small cafe or a national chain, you could be held liable for anything from contaminated or spoiled food to spilled coffee. That’s why you deserve an insurance company with commercial restaurant insurance coverage specifically designed for the risks you face.

Eligible classes include, but are not limited to…

  • Fine Dining
  • Casual Dining
  • Fast Food
  • Ethnic
  • Delicatessen
  • Coffee Shop
  • Micro Brewery

Workers’ Compensation

Workers’ Compensation insurance is business insurance that provides medical and disability coverage for employees who sustain job-related injuries. At the very minimum, these Workers’ Compensation insurance policies will cover an employee’s medical expenses and reimburse him or her for some percentage of lost wages. Most companies are required by state law to carry Workers’ Compensation insurance. Some states have developed state funds, or pools, for Workers’ Compensation insurance, but in most states, businesses must find a private carrier for this type of business insurance policy. You’ll get different a workers’ compensation insurance quote from different companies.

Because it is mandatory for most companies, some small business owners think of Workers’ Compensation insurance as a burden, an expense, and a commodity product, providing only a basic level of benefits to employees. However, if you get a good workers’ compensation insurance quote, this burden will be significantly lessened.

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