Sometimes you need something more specific.

Every business has a need for General Liability Insurance, but there are many other situations that business owners may find themselves that requires added protection.

A well rounded insurance policy will include many other valuable types of protection, many of which are included under the heading of Miscellaneous Liability, while others may be endorsements to the General Liability policy. It is important here to remember that the insuring agreement of the General Liability coverage form limits its protection to claims for bodily injury, property damage, Personal and Advertising Injury; and Medical Payments. The protection provided by the General Liability form is very narrow when you consider the other activities in which a business engages.

What about wrongful activities that manifest themselves in ways other than bodily injury, property damage, or Personal and Advertising Injury? Consider the accountant that errs in his professional work and causes a client to suffer financial harm. Given the fact that financial harm is outside the scope of the insuring agreement, the General Liability policy will not provide and coverage for these errors. However, the financial harm caused by the accounts error is precisely the intended purpose an Accountants Professional Liability policy.

Below you will find the most commonly used Commercial Liability coverages and a brief explanation of their intended use.

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Liquor Liability

If you are in the business of manufacturing, distributing, selling, serving or furnishing alcohol to others then Liquor Liability is a must for your business. Liquor Liability will provide insurance protection for you in the event that you cause or contribute to the intoxication of a person; furnish alcoholic beverages to a person under the legal drinking age, or under the influence of alcohol; or violate any statute, ordinance or regulation relating to the sale, gift, distribution or use of any alcoholic beverage.

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Pollution Liability

Pollution Liability provides insurance protection for your business in the event you are brought into a claim alleging that your product or operations caused a pollution incident. Coverage may be provided for bodily injury to others, damage to their property, and clean-up costs arising out of a pollution incident. These policy types vary significantly from insurer to insurer so please consult an insurance professional for assistance.

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Product Recall

Does your business have the potential for the recall of its products? The General Liability policy excludes this type of claim as a business risk. However, basic coverage may be purchased by endorsing the General Liability policy. A business with an ongoing potential for Product Recall incidents will require a more in-depth analysis of their insurance needs and a tailored Product Recall policy secured to insure against recall claims.

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Professional Services

Professional Services is generally termed Errors or Omissions Insurance or Malpractice Insurance. The basic insurance policy excludes coverage for bodily injury, property damage, personal injury and advertising injury due to the rendering or failure to render any professional services. Whether the loss to your client or patient is medical related or financial loss related, professional services liability is the right addition to your business insurance program.

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Tenant Discrimination

Tenant Discrimination coverage protects the landlord for discriminatory acts against a tenant or guest of a tenant on the basis of race, religion, age, sex, sexual preference, national origin, family status, disability or violation of Fair Credit Reporting Act.