The Commercial General Liability insurance policy provides protection needed to pay damages for bodily injury or property damage for which you are legally responsible. The policy also provides coverage for liability arising from personal injury and advertising injury.
The policy covers accidents occurring on the premises or away from the premises. In addition to the limits of liability, the policy will defend you against claims, even if groundless, false, or fraudulent, as well as provide supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
Yet a General Liability policy goes only so far and in litigious environment where multi-million judgments are commonplace, it’s wise to protect a business’ financial assets with Excess Liability insurance, also known as Commercial Umbrella coverage. This policy is designed to kick in once the underlying limits of a General Liability policy and other primary policies have been exhausted.
Further, a General Liability doesn’t include coverage for exposures due to errors and omissions in providing professional services, employment practices liability (EPL), directors and officers (D&O), cyber liability or fiduciary liability. For each of these exposures and others, you will need to purchase specific insurance products. At Roanoke Trade, we have a portfolio of advanced specialty insurance products that can be added as endorsements to your General Liability policy or secured as separate policies to protect you against the varied management liability exposures you face.
All Your Business Insurance Needs Are Covered with Roanoke Trade
Roanoke Trade knows the transportation and logistics industry. That’s what we do. We have the expertise, experience and products to protect your operation, employees and financial assets along with the goods in your care and custody for the clients you serve. Find out how we can provide you with the insurance programs you need to be properly protected. Please contact us at 1-800-ROANOKE or complete the Contact form located above.