General Liability and Professional Liability Insurance

Protecting business across the United States, Canada & Mexico

General Liability Insurance

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. The Armstrong Company Insurance Consultants recommends that all businesses have general liability coverage in place.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. The Armstrong Company Insurance Consultants recommends that all professional and technology companies have E&O coverage.  Read more…

Directors and Officers Insurance (D&O)

D&O is a type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer.  This type of insurance covers claims allegedly committed by directors and officers to be vicariously responsible for a wrongful act in their capacity as a director or officer.  D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions.  There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

Sample D&O Claims

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, The Armstrong Company Insurance Consultants recommends considering this type of coverage.  Read more…

Sample EPLI Claims

Garage Liability Insurance

This type of insurance is typically purchased by automobile dealerships and repair shops.  It covers property damage and bodily injury resulting from the operations of an auto garage.  It includes the ownership, maintenance or use of covered autos and all operations “necessary or incidental” to a garage business.

Garagekeepers’ Liability Insurance

Garagekeepers coverage provides protection for damage to customer vehicles due to the insured’s legal liability.  This additional coverage is needed because of the “care, custody or control” exclusion in the liability section of the standard commercial general liability policy. This form of insurance is similar to bailee’s insurance.

Medical Professional Liability (Medical Malpractice Insurance)

Medical Professional liability insures for negligence by a health care provider resulting from a failure to use due care or where the standard of care falls below what is expected from a person in a particular profession.  A medical professional liability insurance policy covers bodily injury or property damage as well as liability for personal injury such as mental anguish. Most policies also provide coverage to the physician for the costs in defending a claim.  Read more…

Other Business Insurance Coverages

Let our experienced licensed representatives answer your questions on General Liability and Professional Liability insurance and help you find the coverage you need.  Click here to see a list of the major coverages we offer.  If there is something not listed, just ask and we will provide you with the details.  The Armstrong Company Insurance Consultants understands the business insurance needs of our customers.  The right coverage for you is unique – contact us at 866-990-9286 or Request a Quote online today to find out how to protect your business and your future with the right insurance.  We are here to work for you!

Get a Quote or call for a quote at 866-990-9286