General liability is a broad commercial policy that covers general liability exposures of a business.Coverage typically includes product liability, completed operations, premises and operations, and personal and advertising injury. Retailers Insurance Group recommends that all businesses operating have general liability coverage in place.
The following are additional general liability coverages that are often available.
Garage Liability Insurance
Garage Liability comes in two parts one that covers the exposure of completed operations, premises and operations, and personal and advertising injury. It also provides physical damage coverage for damage to customers' vehicles while the vehicles are in the care, custody and control of the garage. Typically, comprehensive and collision are the covered perils.
One Midwest service station regularly parked customers' cars in a shopping center parking lot directly across the street from its location. A customer's car was stolen from the shopping center parking lot. When the loss was reported to the service station's insurer, the insurer paid the loss because the agent asked the correct questions.Garagekeepers insurance covers customers’ cars while they are being test-driven off premises, located on continuously used locations, and for additional sites if listed on the policy.
Could it be you in one of these examples? To find out more about this product and other products and services, contact us today.
Employment Practices Liability Insurance
Employment Practices Liability Insurance covers employment-related liabilities other than on the job injuries. EPLI will cover legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. Although only three percent of Employment Practices lawsuits go in favor of the plaintiff, the average cost to defend yourself in one of these is well over $200,000. If you have employees, we recommend considering this coverage.
Every business is unique – contact us today to find out how to get the best protection, service, price and value.