Commercial Liability insurance

Medical Payments coverage protects your business from medical expenses with no deductible or co-pay, including follow-up visits, specialist referrals, and prescriptions, regardless if you are at fault.

How your Commercial Liability coverage defines defense costs can have a significant impact, so it’s important to know whether your policy includes compensation for legal defense outside the limits or within the limits of liability.

Defense costs inside the limit simply means that defense costs are deducted from the total policy limit, resulting in less coverage available for any settlement payout.

Defense costs outside the limit means your defense costs are covered outside the policy limits, leaving your policy limit intact for covering any settlement payout.

It’s important to discuss the differences and availability of each type with your independent insurance agent.

Personal and Advertising Injury coverage provides protection against injury to another person or organization resulting from many different offenses, such as false arrest or imprisonment, wrongful eviction, libel or slander, unintentional copyright infringement, or claims of stealing or using third-party ideas in your advertising.