Andrich Insurance

Liability insurance covers injuries that you cause to third parties. If someone sues you for personal injuries or property damage, the cost of defending and resolving the suit would be covered by your liability insurance policy. A general liability policy will cover you for common risks, including customer injuries on your premises. More specialized varieties of liability insurance include:

Commercial General Liability
CGL insurance protects you if a customer is injured at your place of business. It would also cover damage or injuries caused by your employees at a client's site. Commercial General Liability protects businesses against these types of claims. Even if your company is negligent or liable for damage, injury or loss to another's property, reputation or health, your business can keep its assets if it is adequately insured.

Professional Liability Insurance
Professional liability insurance, or professional liability insurance, pays for losses resulting from injuries to third parties when a professional's conduct falls below the profession's standard of care. For example, if a doctor makes a mistake that other doctors of his specialty would not have made, his patient might sue him. A malpractice policy will pay his defense costs and any judgment or settlement. Malpractice insurance is available for doctors, dentists, accountants, real estate agents, architects, and other professionals.

Bailee Liability Insurance
This type of coverage is designed for a business to provide coverage for liability for the property of customers, in the care, custody or control of that business. Although this coverage was designed to cover the business's liability exposure, it can often be endorsed or have options exist to provide a no-fault coverage to protect the customer's property against any damage, whether or not there is negligence and subsequent liability.

Commercial Automobile Insurance
Commercial automobile policies cover the cars, vans, trucks and trailers used in your business. The coverage will reimburse you if your vehicles are damaged or stolen or if the driver injures a person or property.