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Artists Fine Arts Insurance Program Huntin...ost knowledgeable in the industry. Artists Fine Arts Insurance Program Highl...

Types of business insurance Bodily Injury Property Damage Harassment Discrimination Directors & Officers Liability Errors and Omissions (E&O) Advertising Injury Personal Injury Workers Compensation A comprehensive general liability insurance policy should help keep you in business with - Legal expenses Medical expenses Settlement expenses Our business insurance experts have helped many businesses in the Miami, FL and surrounding areas. Get in touch, we can help you too. Common Exclusions Please note, coverage does vary by insurer and it will include additional exclusions other than the examples below. It would be best to thoroughly review your policy to know exactly what your policy does and doesn't cover. Damage to Your Work - Usually, commercial general liability policies exclude coverage for property damage to your work. Damage to Your Product - Commercial general liability policies will not cover property damage to your product. Contractual Liability - Commercial general liability policies exclude coverage for bodily injury or property damage that you are obligated to pay because you assumed liability in a contract or agreement. Recall of Products, Work, or Impaired Property - Commercial general liability policies will not pay the cost to recall faulty products, work, or impaired property. You do have the option to add this coverage to the policy by endorsement for an additional cost. Workers' Compensation and Employer's Liability - Commercial general liability policies don’t provide coverage for workers' compensation, or employer's liability. There may be other exclusions that apply on a local level to the Miami, FL and surrounding areas. How business (liability) insurance works. The general liability coverage of a business insurance policy outlines the maximum amount the insurance company will pay against a liability claim. For example, if your business gets sued for $250,000 for medical costs associated with an injury plus an additional $100,000 in legal fees, but your coverage amount is maxed at $300,000, then you would be responsible for paying the difference of $50,000. Now, if you are on the higher end of the risk scale, and already have general liability insurance, you can also opt for excess insurance or business umbrella insurance that increases your coverage limits. This will cover you in situations in which you’re worried that your existing coverage won’t cover all your costs should someone file and win a claim against you. Our agents have helped many businesses in the Miami, FL and surrounding areas. Get in touch, we can help you too.

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