Commercial General Liability Insurance protects your business from claims like bodily injury, property damage, personal injury and more.
Our Commercial General Liability Policy (sometimes called Business Liability Insurance) covers both your business premises and operations with broad coverage for bodily injury and property damage (other than autos), personal and advertising injury, some medical expenses, products and completed operations, fire legal liability on rental property, garage liability, and erroneous delivery of products.
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This provides liability coverage for clerical errors related to administering your employee benefits program.
When you run a business, there are three types of insurance coverage you need if you are an employer administering benefits programs and handling employees’ funds under the Employment Retirement Income Security Act (ERISA).
Employee Benefits Liability Coverage is an endorsement to your Commercial General Liability Policy. It covers legal liability the insured incurs in administering the company employee benefits programs. One of the primary reasons to add this coverage is to pay for defense costs associated with a covered loss.
The other two insurance endorsements your business needs are Dishonesty Coverage to protect your business from the theft of funds by a program administrator (this coverage is mandated by federal law), and Fiduciary Liability Coverage for the management of an employee benefit, pension plan and plan asset management.
Covered employee health benefits programs are:
Typical claims under this coverage would be:
Please note that there are a couple of highlighted exclusions:
Contact an agent about this coverage