What does it cover?

• Costs related to property damage claims made against your business.

• Expenses to settle claims by a third party that your business caused them personal injury.

• Advertising injury claims made against your business.

• Attorney fees related to settling covered claims.

• Administrative costs to handle covered claims.

• Court costs associated with covered claims.

• Settlements and judgements for covered claims.

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How is premium cost dervied?

• Policy limits

• Type of business

• Industry rates

• Claims history

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Claim Example

• A customer slips and falls from a recently mopped floor and breaks arm.  The customer sues to cover losses for doctor bills and time off work.