Miscellaneous Liability
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.
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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.
Coverage Types
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.
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Other Insurances
Our Customers
Dennis and the staff were very thorough and professional and they seemed genuinely interested in my satisfaction. I would highly recommend them for all your insurance needs.
Tom Scudiere
19:23 28 Nov 23
I have been with McMichael for many years now and they have always taken care of my needs. Debbie Craft is amazing to work with. I spent over an hour on the phone with her asking question after question and she never tired. She never gave the sense that it was time to move on to the next customer. She followed up when she said she would and delivered just as she said she would. She saved me over $1,000/year. Extremely pleased customer here.
Don Giddens
16:58 26 Nov 23
My insurance agent was unavailable-so glad Debbie Craft took my call!. After hearing that my hail damage claim was rejected, she immediatly put me through to her superviser who came to my home to discuss the claim. Thanks to Debbie's initial intervention, I ended up receiving a substantial sum. She also got me a fantastic deal on insurance for my antique car. In both cases her actions were imediate-effeciency should be her middle name!
stew langenbeck
17:44 21 Nov 23
We have had insurance with them since the 1990's.
Janice Miller
14:35 21 Nov 23
Thank you for staying on top of my policies and your easy professionalism.
Robin Brower
15:07 17 Nov 23
Dennis and Dawn are amazing to work with. One hopes to never need to file an insurance claim but when it is necessary, I would not want to have to navigate the situations without an advocate! For example, on one occasion, I was rear-ended on the freeway in Columbus during rush hour. When I called the police, I was told that since the vehicles were drivable, no officer would be dispatched. Not knowing what to do, I called my insurance agent, Dennis. Dennis talked with both the other driver and me to document all the necessary information to file the claim. Who does that?? Well, MY insurance agent does that!!And Dawn is a problem solver! When our mortgage was sold to another company, there was a lot of confusion between the banks and our insurance premiums were paid to the wrong bank. Dawn spent a lot of time working through those details to clean up a mess that wasn't of her doing!People will often tell me that they like buying insurance directly without using an agent. For me, that's not an avenue I wish to take. I want the benefit of knowing I have a group of people ready to intervene when (not "if") life happens!
Kim McNamara
21:30 16 Nov 23
Sherry Barnes at McMichael Insurance is just superb. She’s attentive, knowledgeable and very friendly. Im now paying HALF of what I was paying for home and auto insurance!
Stunt Cat
15:02 16 Nov 23
worked with Sherry. after several phone calls/emails, I ended up buying new policies via her. Saved some $ vs. auto renewal with another mainstream insurance company.
David Chen
15:32 15 Nov 23
Very responsive
Jeremy Rentz
14:14 15 Nov 23
I'm a new customer with McMichael Insurance, transferring from a long-standing relationship with another agent. Making the switch to McMichael's was difficult because of my prior relationship with my tried-and-true agent, but had to be done due to shifts in the market and our needs. Dennis worked with me so thoroughly and with such empathy and patience that I felt I was moving from one caring agency to another. I felt understood and held very competently by Dennis and his team. A big thanks for helping us on this new journey!!
Dave Schrader
17:14 14 Nov 23
Professional service . Excellent!!
Benoy Michael
15:58 13 Nov 23
Brian was very attentive, delivered exactly what we were looking for!
joel orellana
14:24 13 Nov 23
New client. JimGreat experience!
Greg Theirl
14:28 10 Nov 23
It is always a pleasant experience working with the McMichaels. They explain everything thoroughly and there is never any pressure.
Ginny Curran
21:13 09 Nov 23
Sherry is very friendly and extremely helpful and knowledgeable.
Martin Carlton
17:21 08 Nov 23
All my questions are answered quickly and expertly. Their advice has always proved to be trustworthy. They are kind and eager to be helpful.
Sheryl Buckley
21:26 02 Nov 23
McMichael Insurance has provided our company many years of exceptional service. The whole team at McMichael Insurance has been outstanding. Kathryn Wolf (Senior Mgr),our Acct Mgr, and has been nothing but superb. You will be more than satisfied with the quality of service this agency provides.
Jeff Judd
19:27 31 Oct 23
Dennis is super quick to respond and very helpful! A+ in my book! He is definitely in my "CIRCLE OF TRUST" when it comes to professionals!
J M
19:11 30 Oct 23
Sherry was very helpful and charming with getting our home and auto insurance set up. We appreciate her hard work and look forward to working with McMichael Insurance.
Joe Howell
16:26 27 Oct 23
Sherry was incredibly helpful in explaining all options and coverages. She even took time to give suggestions based on best possible value. I couldn't be happier with the coverage she found me.
Jared Markwald
20:13 18 Oct 23
Great prices on insurance, helpful and friendly customer service !!
Roger RogerM
16:46 17 Oct 23
I like dealing with an agent vs. a website andSherry did a great job setting up insurance for my car.
Thomas Pawlik
13:47 12 Oct 23
If I could rate in half stars, I would say 4.5 stars. Sherry was professional and found a good deal on my bundled insurance. Would recommend.
Daniel Kopinsky
22:21 11 Oct 23
I have been with them for years. Excellent people. They have always taken good care of us. They don't play games and sell you stuff you don't need. Very honest, fair, and knowledgeable, so why go anywhere else? Thank you!
Michael Decker
23:30 06 Oct 23
Everything I needed and more! This company is amazing and they make amazing things happen!! Will be using for a very long time!
A2B Concrete Construction Llc
14:10 06 Oct 23
McMichael Insurance saved my husband & I thousands of dollars on insurance for our home, vehicles and farm compared to our previous provider. Their staff is very professional, friendly & knowledgeable. I would & have recommended them to friends & my own real estate clients.
Darlene Kearney
21:34 04 Oct 23
Although I haven't had any issues to require me to utilize the insurance, I am very pleased with the communication and setup process Sherry walked me through. Honestly, she did all the hard work. Very appreciative for her making the homeowners insurance (and car insurance) process a breeze while I was busy working on buying a home.
Kate Macko
16:02 03 Oct 23
Sherry was very professional and courteous took really good care of me and got me the best deal
Jamie Fleming
15:12 26 Sep 23
I had a great experience working with Dennis throughout the entire insurance process as I had 3 policies up for review. He promptly answered any questions and suggested some great changes. I received a double benefit: better coverage at a significantly lower cost. The whole staff is top notch and handles changes quickly and professionally. I highly recommend McMichael Insurance for all your insurance needs. 5 stars!
J Stach
01:53 26 Sep 23
Working with Dennis has been such a great experience! He called right away when I sent in an online request for information and answered every single question. Dennis saved us so much money with MORE coverage! I am so glad that we found McMichael Insurance. I highly suggest them to anyone and everyone I talk to now. Call them now and see what they can offer for you!
Jessica Boyer
13:14 13 Sep 23
Warm friendly and helpful.
Jeff Schofield
19:00 30 Aug 23
Have been a client of Dennis McMichael for years. He is excellent. Always promptly answers any questions I have. His staff is wonderful. Always handles any changes quickly.
janice zabish
23:14 29 Aug 23
McMichael always has my back, finding me better insurance opportunities while at the same time reducing my cost. I’ve beefed with them for 30+ years and they have been doing a great job handling my insurance needs.
Jeff Baker
13:27 28 Aug 23
My late husband was a customer of McMichael for years! Now, my grandson is following in his grandpa's steps, feeling totally "safe" with McMichael as his insurance company!
Vicki Sorber
13:55 24 Aug 23
The agents at McMichael Insurance are top notch. They took the time to make sure they knew what I needed and provided me with quality, affordable coverage for Medicare, auto, and renter's insurance. And they followed up to make sure I was satisfied. Agents are supportive and caring. I highly recommend that you give them an opportunity to do the same for you.
Brenda Gates
13:48 22 Aug 23
Sherry at McMichael Insurance was extremely professional, and a joy to work with! I would recommend them to everyone for any insurance needs.
Leslie Kauffman
14:34 21 Aug 23
I am very pleased with the service that was provided for me, I couldn't find that kind of service anywhere else, the representative Was down to earth and very professional, I highly recommend this company.
Clark Ross
03:36 18 Aug 23
Very efficient and easy to work with.
Tracy Moorw
20:20 15 Aug 23
Laura & Faith worked with me to secure a landlord coverage policy. I will definitely be using their service in the future. They were quick to answer any request the lender had and were following up during the process. Thanks Laura & Faith
Isabelle S
16:09 14 Aug 23
Dennis was a rock star and was able to "swoop in" to provide an insurance quote for a Short Term Rental Property that I just acquired where other insurers couldn't/wouldn't. Thanks, Dennis!
Danny Cota
14:38 08 Aug 23
Awesome customer service....very helpful and pleasant!!!
Jenny Cogar
15:08 03 Aug 23
Dennis worked with me to get great renters, life, and auto policies that saved me hundreds! I had never worked with an insurance agency before so I approached with some trepidation. But Dennis quickly put my concerns to rest with his detailed explanations and thorough research into my needs. Could not be happier with how my experience with this team has gone!
Tim Clark
17:36 29 Jul 23
Michelle was fantastic to deal with. Look forward to being a customer of hers for years to come.
Eugene Matera
13:34 26 Jul 23
Wonderful person who knows what she is doing. Always looking out to take care of you.
Jason Romanowski
13:15 29 Jun 23
I enjoy working with Michelle. She is professional and attentive to her client's needs. She responds promptly to questions and is willing to go the extra mile.
Rozi Johnson
20:50 25 Jun 23
Great fast and friendly service! Recommend them to everyone. I worked with Dennis! Try them you won't be disappointed!
Kathy Dyno
13:45 22 Jun 23
I appreciate the yearly review of my account and the options presented at renewal.
penny meier
11:15 15 Jun 23
Mark McMichael is very professional, kind and courteous. He goes above and beyond to get you the best coverage and rate. He also responds quickly with any questions you may have. Thank you
Barb Elam
16:45 14 Jun 23
Michelle was so easy to talk to and work with. She worked hard to find us great policies and she saved us quite a bit of money. She was very responsive and easy to communicate with. I highly recommend McMichael Insurance.
Ingrid Brown
14:34 13 Jun 23
Dennis is absolutely a true consummate professional. He really did a deep dive and pointed out many aspects for improved insurance coverage opportunities while saving me money. I highly recommend!
Josh Leeser
18:57 05 Jun 23
We are extremely happy in working with McMichael Insurance. We had been with another company for years and once we inquired about information and received our quote - there was no turning back. The customer service is simply amazing!!
Amy Barbisch
16:13 24 May 23
Very pleasant to work with made you feel they cared
Michael Fessler
01:05 19 May 23
Excellent experience with this agency. Kristen Jordan is so personable and knowledgeable about insurance options. It was truly a joy to work with her in obtaining better insurance coverages for both my home and automobiles. I highly recommend this agency, and especially agent, Kristen Jordan.
John Baumgardner
15:45 18 May 23
Michelle provided outstanding service and assisted me with substantially lowering my insurance costs.
Adrian Gore
19:10 16 May 23
I would like to recommend McMichael Insurance once again this year with Josh contacting me during the Medicare enrollment period to see if there were any issues with my current Medicare plan and also if I was satisfied with my Supplemental plan and we reviewed the costs and the services provided with the plan and we decided to remain with the same Medicare and the same Supplemental plan. There are not too many insurance companies that reach out and also have a service to provide help with Medicare and associated plans.Keep up the great job and the customer service.I had two great experiences with McMichael Insurance. One, I worked with Josh on Medigap insurance. He spent the time to go through all the plans and explanations on the plus and minus of the pertinent ones. He was very helpful.The second was with Mark regarding an auto and home policy review and a suggestion for a Hagerty policy for my sports car. Great recommendations.Keep up the good work.FrankWe have again had superior customer service during the past year with McMichael Insurance and they always keep us updated with their communications and with their e-mails with "things to consider" with both home and auto insurance.I have always received a quick response to my calls and the staff has always been helpful.Continued success during the year.I had a great experience working with Tammy about some questions that I had regarding adding a young driver to a policy. She responded quickly by phone and we had a great conversation and it was obviously she had a ton of experience and provided all the answers that I needed. She was very personable and it felt like I had known her for years.Another great experience with the agency.5-7-23I can't express how satisfied I have been with McMichael Insurance through the years. I have been a customer of McMichael for many years and have several relatives that are also customers and have been with the agency for as long as I have been.I am always contacted as my insurance is due to renew and we review the new rates and determine if there is a need to review my policy with other potential carriers for possible savings for comparable coverage.Great customer service and great follow-up to any questions or concerns. Keep up the great work.
Frank DiMauro
03:38 07 May 23
Very easy to work with and very helpful!!!
Doug
13:31 02 May 23
They made it easier to understand what coverage is available, went thru great detail to know what I would receive and was very efficient helping set up the policy. Highly recommended!
Deborrah Beckett
01:29 29 Apr 23
Dennis was awesome! Helped me get insurance for my home and drastically reduced my auto insurance while offering more coverage. Would absolutely recommend!
Caljac
19:16 25 Apr 23
A wonderful experience, wish it were free . . .
William
19:32 21 Apr 23
One call saved me literally hundreds of dollars. Home and Auto with a company and agent I can fully trust.
Judy Martin
02:13 19 Apr 23
Smooth, easy, fast, amazing customer service! All questions and concerns were addressed, prompt service I would definitely recommend to all!
Nelli Ali
14:59 13 Apr 23
Kristen J. was great to work with! Found me lower rates for home and auto (cheaper than I was finding on my own) and made switching carriers quick and easy. Thanks Kristen!
Gene Stefanov
14:22 13 Apr 23
Kristen is great! Knowledgeable, professional, and friendly! I will definitely work with her again when I need future insurance quotes!
Jason Smith
14:16 13 Apr 23
Michelle is a Godsend! I had spent a couple weeks researching quotes for home and auto insurance. Everything I came across was way more than what I was paying. Michelle called me, and said “baby let me work my magic”, and she did! She found great rates for me. She’s the best agent I’ve ever worked with. I feel like she’s been a real friend, and I’ve only known her for a short period of time. She makes sure every question is answered, she’s professional, she responds immediately, and she will take care of you. I’m confident that you would be pleased with her service too. I’d recommend her to anyone that’s looking for insurance to contact Michelle at this company. Ten stars!
Deanna Artis
22:32 12 Apr 23
The McMichael Team is always professional and friendly. Dennis has been a great help anytime we have had any questions or concerns about either of our policies. His knowledge, advice and timely response is very much appreciated. Josh was very patient and informative when helping my husband through the daunting task of signing up for Medicare last year. He even touched base with us this year to make sure the plan we chose was still working for us. Thank you!
Michele Birklund
21:29 12 Apr 23
Great service, very responsive, professional, and amazing value.
Mina Lobbous
02:06 04 Apr 23
My experience with Kristen was great 👍! She was able to get me a wonderful rate for car and renter's insurance. She is very professional and caring. I would recommend her to anyone.
Betty Valentine
15:15 27 Mar 23
Aways Helpful and Pleasant.
Bob & Mary Jirousek
17:42 19 Mar 23
Dennis worked with me to find home & auto insurance that fit both my needs and my budget. He saved me a lot of time and the aggravation associated with vetting out insurance companies on my own. Working with Dennis was a pleasure.
Robert Melchiorri
15:19 09 Mar 23
Very proffesional , knowledgebal , attention to details . Hard to find those days
Ekaterina Varley
17:56 08 Mar 23
Explained very well and quick.
Bigboss
14:27 02 Mar 23
McMichael insurance is the best I have dealt with in 30 years!And Kathryn is an amazing client manager! She is not only great at her job, but she is the funniest client manager also. If you ever get a chance to deal with her, look out cause she has some one liners that will have you rolling on the floor in stitches! Her humor takes the pain out of dealing with the arduous task of commercial insurance.
Adam Csongedi
15:53 01 Mar 23
Great communication and follow up. This was a simple and painless process!
Brad Denning
22:59 22 Feb 23
Dennis did a great job finding us a lower rate on our home and auto insurance. Thank you.
Ron Borchert
01:41 17 Feb 23
Love working with Michelle. She has made everything so easy!
Yale Goldberg
22:29 15 Feb 23
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