Coverages-General Liability
General Liability Insurance contract provides coverage for tort breaches of duty subject to certain exclusions. Some of the exclusions can be eliminated by obtaining additional coverage, e.g., bailment. Insurance coverage for the contractual liability is limited to “incidental contracts” only.

Coverages-Premises Liability
The owner of a premises has a legal duty under common law to exercise reasonable care for the safety and protection of “third parties.” This exposure is associated with the ownership, use, occupancy, possession, and control of premises, including the building, land, and general vicinity of the premises.

Premises-Operations-Floor Surfaces and Design
Slips and falls appear to be simple trivial accidents that occur frequently, but they result in thousands of deaths and cost billions of dollars in direct and indirect costs to the business. Preventing and reducing slip and fall accidents requires a systematic approach.

Independent Contractor Exposure
By taking a proactive approach in the selection and coordination of contractors and contracted services, you can manage the associated risk successfully. This ensures an uninterrupted flow of operations. Contractual protection backed by a verified and responsive insurance program helps to make the risk transfer complete and successful.

Download Adobe Acrobat Reader Note: This web page includes attachments which are stored in adobe portable document format (PDF). You will need Adobe Acrobat Reader version 4 or higher to view these attachments. If you do not already have the reader installed, or if you need to upgrade, please click on the Adobe Acrobat icon to download the most recent version.