Liability

Critical Assurance for the Protection of Your Business

Running a business is a major responsibility that involves many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and members of the public protected from injuries and damages. At CRS, we can help you create a policy that’s designed to safeguard the best interests of your business so you can focus on serving your customers and increasing your profits.

Commercial General Liability from CRS can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or property damage incurred by a third party. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages include:
 

• Injuries to Individuals at your premises
• Damages related to your products and/or work
• Damage to property you occupy but don’t own
• Personal and advertising injury

Additional Commercial Liability

Other specialty types of commercial liability insurance such as foreign, liquor, and concession liability can aid in furthering the safety of your business’s future.

Since there are many types of liability coverages, it’s important to talk with a CRS specialist about the best options for your business

Commercial Umbrella / Excess Liability Insurance

Extra Protection that Keeps You in Business

As a business owner, keeping your business adequately insured is one of the most important financial decisions you can make. But if you don’t have sufficient coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances and your future.

With commercial umbrella insurance from CRS, you can protect your business and your assets in the event your company gets sued and faces steep legal fees and significant losses.

A commercial umbrella policy will provide your business with additional liability limits should a lawsuit or major accident exceed the limits of your existing general liability, auto liability, or other select business liability policies.

What Does Commercial Umbrella / Excess Liability Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where commercial umbrella coverage can safeguard your business: 

• Accidental falls or slips on your property
• A carbon monoxide leak in your building
• Libel, slander, or invasion of privacy
• If one of your products causes injury or illness
• If a fire in your building damages other property
• If your business vehicle is involved in an accident
• If an injury to a worker results in a lawsuit outside of the statutory work’s compensation benefit

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage limits. That’s why CRS insurance experts solve for the individual needs of your business to find a level of protection that keeps you and your operations secure.   Contact a CRS representative today to learn more.