General Liability Coverage
What’s Covered
Bodily Injury - If a client is injured at your workplace, this coverage helps pay medical expenses, pain, and suffering.
Property Damage - If you damage a client’s property while performing your services, this coverage helps repair or replace it.
Personal & Advertising Injury - Protection against claims of defamation, slander, or reputational harm caused by your advertising.
What’s Not Covered
- Contractual liability
- Damage to your own property, product, or work
- Liquor liability
- Injuries to you or your employees
- Intentional or knowingly false advertising
- Professional services
- Product recall
- Illegal recording/distribution
- Workers’ compensation or employer liability
Included Sublimits
- Medical Expenses: $5,000 per person
- Damage to Premises Rented to You: $50,000
- Defense Costs: Outside policy limits
- Terrorism Coverage: Included
- Defense Assistance: Up to $250/day
Business Personal Property Coverage (Included)
What’s Covered
Your Property - Business equipment, tools, inventory, and supplies within 100 feet of your insured premises.
Leased Property - Equipment or machinery you’re contractually required to insure.
Business Interruption - If a covered loss forces you to close, you may recover payroll (up to 2 months), lost income, and operating expenses (up to 12 months).
What’s Not Covered
- Criminal or dishonest acts
- Land, water, crops, lawns
- Earthquake, landslide, volcanic activity
- Equipment breakdown
- Mold, rot, bacteria
- Utility service failure
- Flood or water damage
- Sewer/drain backup
- Groundwater seepage
Key Sublimits
- Outdoor Property: $2,500
- Trees/Shrubs: $1,000 each
- Forgery/Alteration: $2,500
- Electronic Data: $10,000
- Off‑Premises Property: $10,000
- Valuable Papers: $10,000 on‑premise / $5,000 off‑premise
- Accounts Receivable: $10,000 on‑premise / $5,000 off‑premise
Hired & Non‑Owned Auto Coverage (Included)
What’s Covered
- Bodily injury caused by a non‑owned vehicle
- Property damage caused by a non‑owned vehicle
What’s Not Covered
- Autos owned by partners/executive officers
- Injuries to employees or their family members
- Property in your care, custody, or control
- Property you own or transport
Equipment Breakdown Coverage
What’s Covered
- Mechanical breakdown
- Electrical damage (e.g., power surge)
What’s Not Covered
- Damage to tubes or brushes
- Leaks at valves or seals
- Routine maintenance or cleaning
- Wear and tear
Included Endorsements (No Extra Charge)
- Waiver of Subrogation
- Primary & Non‑Contributory Endorsement
Business Owners Policy (BOP) -Policy Package Comparison
Includes add-ons and sub-limits that provide extra coverage. Select 'Details' to see all your options.
Features/Benefits
Blanket Limit Accounts Receivable Computers & Media Debris Removal Personal Property of Others Valuable Papers & Records Fine Arts Employee Dishonesty Forgery Laptop Coverage Outdoor Signs Sewer/Drain Backup Transit Property Property at Other Premises Salesperson Samples Newly Acquired Property (Building) Newly Acquired BPP Business Income Extension Off‑Premises Utility Services Website Income Extension Dependent Property Income Personal Effects Outdoor Property Jewelry & Watches Bullion/Precious Metals
Platinum
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$500,000 Included Included Included Included Included $75,000 $25,000 $35,000 $15,000 No sublimit No sublimit $25,000 $50,000 $25,000 $250k–$1M $100k–$500k 12 months $25,000 $50,000 $50,000 Up to $60,000 $25,000 $5,000 Specific limit
Gold
$350,000 Included Included Included Included Included $50,000 $25,000 $25,000 $10,000 No sublimit No sublimit $10,000 $50,000 $25,000 $250k–$1M $100k–$500k 12 months $25,000 $50,000 $50,000 Up to $60,000 $25,000 $5,000 Specific limit
Silver
$150,000 Included Included Included Included Included $25,000 $25,000 $25,000 $10,000 No sublimit No sublimit $10,000 $25,000 $5,000 $250k–$1M $100k–$500k 90 days $25,000 $50,000 $50,000 Up to $25,000 $25,000 $5,000 $25,000
