Interested in a coverage but need more information? Look no further!
Commercial General Liability (CGL) - This is designed to cover bodily injury, property damage and personal and advertising injury to others. As a business owner you may be held responsible for accidents such as the following.
- If a client slips and falls at your business location
- If someone trips and falls from your laptop’s charging cable while you are giving a presentation at the client’s location.
- If you cause property damage such as an electric short circuit after you plug in your projector or presentation equipment at the client’s location.
Claims such as these will be covered under Commercial General Liability coverage. This also may be required to ensure you meet the contract requirements for a landlord or client.
Professional Indemnity Liability Claim made and reported Basis – This is designed to cover the companies, your workers, against claims of inadequate work, negligent actions, late or never delivered.
- Failure to deliver promised pet care services.
- Accusation of negligence led to an animal’s injury.
- Professional mistake while a customer’s pet is in your care.
Property/Business Contents - This provides coverage for the loss or damage due to fire, theft, smoke, windstorm, or water damage etc. It covers:
- Your business property like office furniture, computers, and other equipment.
- Leasehold improvements that you made at your own expense.
Tenants' Legal Liability - This provides coverage for loss or damage caused to rented properties that you are legally liable for.
Non-Owned Auto Liability - This covers bodily injury and property damage caused by a vehicle you rent or hire (including rented and borrowed vehicles) or caused by non-owned vehicles (vehicles owned by others including vehicles owned by your employees). You may be required by your landlord to carry this coverage up to a certain stated limit.