General And Specialty Liability Coverages
General And Specialty Liability Coverages
General Liability helps protect your business from the unknown. Accidents happen–on-site, off-site, with employees, and with customers. Liability coverage can help cover medical expenses, attorney fees, and damages that you are legally responsible for. It can also protect against situations that may not have even occurred to you. We at RBR realize that you need complete customized business protection, not a one-size-fits-all approach. So we and our strategic partners will work with you to determine the right type of commercial liability coverage you need for every stage of your business. These might include:
- Professional liability
- Products and completed operations
- Fire
- Medical payments
- Premises liability
- Employers liability
- Employee benefits liability
- Employment related practices liability
*General liability insurance doesn’t protect your business against claims of professional negligence, errors or omissions, or the failure to perform your professional duties. For this type of coverage, the business will require a separate professional liability policy.
Employments Practices Liability – this coverage protects an employer against an employee’s claims such as:
- Wrongful termination
- Sexual and workplace harassment
- Wrongful discipline
- Age discrimination
- Violation of employment discrimination laws
- Violations of Americans with Disabilities Act
- Breach of employment contract
- Employment-related misrepresentation
- Invasion of privacy
- Negligent evaluation
Directors & Officers Liability – This coverage protects directors and officers against claims alleging negligence, errors, omissions, misstatements, misleading statements, and misrepresentations. Most organizations have a general liability policy that protects against negligent acts that result in bodily injury pr property damage. However, general liability doesn’t protect against alleged wrongful acts or omissions, including breach of duty, which do not result in bodily injury. Director & Officer coverage also protects your executives from potential lawsuits resulting from key decisions or management arctic lawsuits that may target their personal assets.
Crime Coverage can extend to those who may have access to your companies funds and cover things like employee dishonesty regarding money and securities, or forgery.
Pollution/Environmental Liability