Crestview General Liability Insurance

An important, yet broad coverage, that can apply to many different businesses located in Crestview. General Liability Insurance provides protection from damages that may result as part of the operations. Whether you are a restaurant, retail store, or office, general liability insurance is crucial to protect every business.

Included Coverages

There are a few standard coverages that are included with all general liability policies. Although the limits may vary, understanding how the coverage included on the policy works can help determine the amount of coverage to purchase.

• Each Occurrence: This is the maximum amount that the policy will pay out for any one incident. This could be for property damage and/or bodily injury claims.
  
• Personal & Advertising Injury: Provides protection from personal injury claims such as libel, slander, copyright infringement, and misappropriation of advertising ideas.
  
• General Aggregate: This is the maximum amount the insurance company will pay out for ALL claims during the policy term. A small business has a $300,000 occurrence limit and a $600,000 aggregate limit. They had a rough year with one claim for $300,000 and then two more at $150,000 each, totaling $600,000. This would mean they have reached the aggregate and any more claims for this policy term would not be covered.
  
• Products and Completed Operations Aggregate: Although a very important coverage for all businesses, others will benefit more from this coverage. For example, a plumbing contractor who receives a call two years later that due to overtightening of a bolt on the toilet causes a crack that later results in water damage to the home. As a completed operation coverage would apply here for the resulting damage.
  
• Damage to Rented Premises: Especially important if the business is renting the space they occupy. If there were damages to the property because of negligence, this coverage would apply.
  
• Medical Expenses: If someone is injured while on your premises but is not a result of your negligence (i.e. they tripped over their untied shoelace) than this coverage would provide them with payment.
  

Optional Coverages

General Liability Insurance policies are completely customizable to the different industries. Below is a list of just some options that may be available to you, while others may not be applicable at all. Discussing your business structure with a knowledgeable agent can make sure that you have a comprehensive policy without any unnecessary cost.

-Commercial Property Coverage

-Business Personal Property

-Business Income Coverage

-Flood Insurance

-Employment Practices Liability Insurance

-Employee Dishonesty

-Errors & Omissions

-Product Liability

-Pollution Liability

-Hire and Non-owned Auto Liability

Certificates of Insurance

This can be a very important aspect for many businesses. A certificate of insurance may be required to start a job or to get paid for one. Either way, the last thing any business should deal with is slow certificate response time. At Barbee Jackson Insurance we understand the importance of a quick turnaround and provide a designated email address for certificate requests. They may also be obtained by calling or faxing. During normal business hours certificates are provided within 5 minutes or less. We even monitor weekends and holidays, although we cannot guarantee the 5-minute turnaround.

Why Barbee Jackson Insurance?

If you are a new business getting your first commercial insurance quote, we can help you through the process. It is our goal to build the right policy to meet your needs at a price you can afford. As an existing business owner, it is important to save money any place possible while still making sure it isn’t to the detriment of the business. One of the best ways to do this is by completing a liability coverage insurance review with an experienced and knowledgeable insurance agency. Barbee Jackson Insurance has a team of commercial insurance experts who can review your insurance coverage, discuss your operations, and build a custom policy to meet your insurance coverage needs.