Overview of Coverage’s

Package Policy: Combination of various coverages under one insuring policy.

General Liability (quote): A category of insurance which includes most of a business’s liability exposures. Exposures covered include premises and operations, products and completed operations, contractual liability, and contingent liability.

Property (quote): Insurance that indemnifies the person with an interest in physical property for its loss or the loss of its income-producing ability.

Commercial Automobile & Non-Owned Automobile (quote): Insurance to protect against financial loss because of a legal liability act that has automobile related injuries to others or damage to property of others.

Umbrella: High-limit excess coverage of all forms of liability to which the insured may be subject. 

Inland Marine: A form of insurance originally designed as an extension of marine coverage to insure transportation of goods over land. Today, it covers, in addition to goods in transit, a variety of portable property. 

Professional Liability: Liability arising out of the rendering or failure to render services of a professional nature. 

Workman’s Compensation (quote): Insurance which covers an employer’s obligations under Workers Compensation laws, which make the employer responsible for stated damages in the event of a work-related injury or illness. Workers Compensation coverage also includes separate coverage for Employers’ Liability.

Boiler & Machinery: Insurance which covers the insured against loss (liability and physical damage) arising out of the use of steam boilers or other machinery. Part of the Commercial Package policy.

Aviation: Insurance which provides both liability and physical damage (also called Aircraft Hull insurance) coverage for aircraft. Liability coverage available separately for hangar keepers and airport owners or operators.

Commercial Flood (quote): Coverage against loss resulting from rising water. 

Liquor Liability: This form belongs to the Commercial General Liability coverage part of the Commercial Package policy. It covers liquor liability which is excluded from the standard CGL forms for those who are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages.

Motor Truck Cargo: Inland Marine transportation insurance which protects the carrier against its liability for damage to domestic shipments in its custody.

Truckers (quote): A form that is part of the Commercial Auto Coverage Part and is designed specifically for the trucking industry. Includes Trailer Interchange insurance.