General Liability
This coverage responds when a customer slips and falls at your business.
What is General Liability insurance?
This policy covers vehicles owned by a business.
What is Commercial Auto insurance?
This coverage protects a business's building and contents from covered losses.
What is Commercial Property insurance?
This insurance provides benefits for employees injured on the job.
What is Workers' Compensation?
These two words describe harm to a person's body covered under liability policies.
What is bodily injury?
This coverage pays for injuries your driver causes to others in an accident.
What is auto liability coverage?
Fire is an example of one of these under a property policy.
What is a covered peril?
Medical expenses and these payments are the two primary benefits provided.
What are wage replacement benefits?
This type of injury refers to reputational harm such as libel or slander.
What is personal and advertising injury?
This coverage pays to repair your insured vehicle after a collision.
What is collision coverage?
This valuation method considers depreciation when settling a claim.
What is Actual Cash Value (ACV)?
This term describes an injury or illness arising from workplace duties.
What is a compensable injury?
This coverage section helps pay legal defense costs for covered claims.
What is the liability defense provision?
Theft, vandalism, and hail damage are covered under this coverage.
What is comprehensive coverage?
This valuation method generally pays the cost to replace damaged property without depreciation.
What is Replacement Cost?
Employers are generally protected from employee lawsuits by this workers' comp principle.
What is exclusive remedy?
A contractor accidentally damages a client's property while working onsite. This falls under this liability category.
What is property damage liability?
Employees use their own cars for company errands. This endorsement helps protect the business.
What is hired and non-owned auto coverage?
After a fire shuts down operations, this coverage helps replace lost income.
What is Business Income coverage?
This rating factor is heavily influenced by a company's loss history.
What is the Experience Modification Factor (Experience Mod)?