Commercial Liability & Umbrella Insurance
Tired of generalizations that sound like someone Internet-searched a topic? We are too. At our agency, we have developed a deep expertise in the commercial insurance sector, and part of that is understanding a broad array of liability exposures. Anyone can insure a business against slips and falls; it takes an insurance partner to develop a risk-mitigation plan that deals with specialized liability potential.
We have been working with businesses in the Southern California region for more than 40 years, and we are licensed in all 50 states. We constantly keep apprised of trends in liability claims, whether it’s personnel-related, product liability, or professional liability. We serve clients in many, many sectors and offer liability insurance in all of them, including:
- Food-borne Illness
- Product Liability
- Completed Operations Liability
- Professional Liability (E&O)
- Premises Liability
- Garagekeepers Liability
- Liquor Liability
- Medical Payments
- Personal Injury
- Pollution Liability
- Commercial General Liability
- Reputational Damage
- Management Liability (D&O, EPLI, ERISA)
- Many More
We bring our expertise into every conversation, helping you to assess where your greatest exposures lie then assisting you in deciding on coverage options. Of course, you can buy insurance for everything, but when that isn’t financially feasible, you need guidance on choosing the best array of coverages and best risk management programs to minimize potential losses. That’s where you will notice our agency’s difference. We are familiar with litigation costs and patterns where you do the most business and can help you decide if you can go with a business owners policy or if you need enhancements or stand-alone excess and surplus lines coverage.
Coverage for Fees
In many cases, it’s not the awards or settlements that are killer; it’s the attorneys fees, investigative costs, forensic specialist and expert witness expenses, and media relations contracts that escalate losses. Our business liability insurance options include clauses for coverage of all these—sometimes to very high limits of payout and sometimes from the first dollar of expense forward.
Umbrella Coverage Where You Need It
Should you need higher limits of coverage or insurance for exposures not included in your standard commercial liability insurance policies, our insurer partners offer commercial umbrella insurance to enhance your protection against liability claims and lawsuits.