General Liability

The General Liability form covers your legal liability for bodily injury, property damage and personal and advertising injury arising out of your operation up to the policy limits. Costs of settling claims and defending suits are in addition to stated limits. Additional and separate limits apply to the following:

• Medical Expenses
• Damage To Premises Rented To You

Inland Marine

Tailored coverages are available for just about any property requiring special treatment. Examples include

• Accounts receivable
• Bailees' coverage
• Builders' risks
• Contractor's tools and equipment
• Data processing equipment
• Employees' tools
• Installation coverage
• Motor truck cargo
• Salespersons' samples
• Valuable papers and records
• Warehouseman liability

Property

Broad coverages are available to insure your

• Buildings
• Business personal property
• Personal property of others
• Building glass
• Loss of income and extra expenses
• Valuable papers and records - cost of research
• Outdoor property including fences, signs and antennas

Coverage may be written on an actual cash value, replacement cost or agreed value basis. You may insure different categories of property with separate limits or under blanket limits. Optional deductibles with corresponding premium savings are available. An automatic building inflation guard is also available.

Workers' Compensation

Coverage parts include the following:

• Part One - Workers' Compensation
  • Covers benefits required of you by Workers' Compensation law. Applies to bodily injury to or death of your employee arising out of his or her employment.
• Part Two - Employers' Liability
  • Protects you against tort suits brought against you as the result of injury to or death of your employee.