Shield your business from the unexpected

Businesses face a wide range of risks, and it’s important to understand the best way to manage those risks. Whether you’re a small business or have multi-state operations, it’s important to work with a trusted risk advisor whose 360-degree lens can identify where your business is vulnerable.

One customer injury, damaged building or accident subjects your business to costs associated with medical care, property restoration or legal proceedings. The expenses can quickly mount, and, without the security of general liability insurance, your bottom line could experience a fatal blow.  

Products

In the event of bodily injury from the use of your product or property damage stemming from a failure to provide product warnings or instructions, your business should expect the injured party to initiate legal proceedings. Claims are associated with products you imported, manufactured, sold, handled, distributed, or disposed of. Products coverage is a form of insurance that manufacturers and retailers can depend upon to cover defense costs.  

Common product claims

• Bodily injuries, illnesses, allergic reactions, and choking
• Accidental death or dismemberment
• Water, fire, electrical, and smoke damage
• Stains, discoloration, tears, and cracks to other property

Completed operations

Completed-operations coverage is designed to protect your business from claims, lawsuits, judgments, and settlements that occur after a job has been completed and put to its intended use. The more jobs you “complete,” the greater your claims exposure. Completed-operations coverage provides bodily injury and property damage coverage for claims associated with work performed outside of your premises. This coverage is specific to the contracting and services industries.