General Liability Insurance

Covering the businesses of New York

General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business.

Coverage typically includes product protection from financial loss should you be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

Michael G. Montag Insurance Agency Inc. DBA MGM Associates of Rochester recommends that all businesses have general liability coverage in place. Request a quote or call us at 585-381-7008.

Additional Liability Coverage

Take a look at the list below for additional liability coverages that you may want to consider.

Professional Liability Insurance (Errors & Omissions)

Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party’s data. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. Michael G. Montag Insurance Agency Inc. DBA MGM Associates of Rochester recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability (EPL)

An employment practices liability (EPL) coverage is a type of liability insurance that covers the wrongful acts in the employment process and policies. It provides coverage against different types of employee lawsuits such as wrongful termination, negligent evaluation, wrongful discipline, breach of employment contract, deprivation of career opportunity, sexual harassment, discrimination, retaliation, and mismanagement of employee benefit plans. This type of insurance coverage is written on a claims-made basis. It is often sold as part of the management liability package of workplaces.

Directors and Officers Insurance (D&O)

D&O covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other products and services, call Michael G. Montag Insurance Agency Inc. DBA MGM Associates of Rochester at 585-381-7008 and we’ll help make sure you’re properly covered.