General Liability and Professional Liability Insurance

Protecting business across the United States, Canada & Mexico

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

The Armstrong Company recommends that all businesses have general liability coverage in place. Request a quote or call us at 310-530-0099.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

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 recommends that all professional and technology companies have E&O coverage.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. 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 for employers 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 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…

To find out more about this product and other products and services, contact The Armstrong Company today by calling 310-530-0099.